As for me, I prefer to stay away from loans altogether, to live within my means if I can't buy that car for cash then I'll wait and save.
Discussion
But I've heard nothing but good things about Islamic banks in general nostr:npub1zede6daz3yp3qwhe45jqx67u2sns3qkqrtw4z4u3ljtxv9nultqs0e3hvt
Same.
I have never owned a credit card and I have never used a any of those payday loans apps.
I know so many people who are literally just digging themselves deeper and deeper into debt each month and I can not understand it.
When my dog was bitten by a brown snake the vet tried to make me install zip pay app.
I just didn't do it, I went back each fortnight and paid them $200 at a time and got a receipt each time to keep track of it.
The bill was $3000.
The dog already had his treatment so it's not like they were going to refuse the money.
You take on debts probably every day. Whether they are with your friends, family or future self. They don't necessarily need to be purely monetary but they are energy or time based.
We can have moral debts with friends and family which are a positive some game.
If you stay up all night posting news you will repay that sleep.
Maybe you're issue is with a very specific kind of situation where you do not know the source of the debt value being traded.