I talked about this before. I have friends that do come to me for help sometimes and there are times that I do have the cash on hand and I could easily lend it to them. That's not a problem with me. Although, I do have a problem borrowing money from friends. Not that they won't lend me the money, I just don't feel at ease borrowing money from friends. I have heard horror stories after horror stories between friends where friendships were abandoned because of their fights about money. I vowed two things - don't borrow money from a friends and don't go into business with them.
So, if ever I would need cash I would rather get a cheap payday loan where I can borrow money to help me out when I need it and as long as I pay it on time, there will be no friendships lost, no hearts broken. I would be more than happy to pay the interest if it need be just so that I don't ruin any of my personal relationships because of money. At least that is my opinion.