The puns were fantastic, thank you all for that.
This business model, to me, represents another step lower than a car title loan, or rent-a rim, or any other business that offers loans for consumable goods. As a business model, its likely genius...as a human being, it makes me sad to see women of color driven to the depths of financial mismanagment, for something that will likely need to be done again in 6 weeks.
To draw an appropriate parallel across the races, it would be like a caucausian woman taking out a loan to go get highlights. Ill-advised no matter what your race or culture.
(edited to remove unintentional jab at mental illness)