Payday Loan

Yesterday I got something in the mail that I do not like, somebody offered to buy my car so that I could buy a new one. They must think that I am crazy, I do not want to sell my car maybe when I have to get another one I want to pay off my car that I have now. I am always receiving junk mail and sometimes I get offers for a payday advances loan. I always need money and I am glad that they offer to loan me money like that but I am trying not to make any more loans unless I have no other choice. I am trying not to loan any money because I am worried that I may be unable to repay the loan.