Borrowing cash on the net has its positives and negatives, many companies have went bankrupt and stopped accepting new borrowers for their services, and this has led to many borrowers finding themselves in need of money fast and looking all over for new lending companies.  However, even many new lending companies have lent to too many people as is, so they are pulling back on funding new applications, and this is leading to a big problem for the people who have not found a good loan company to borrow from yet.