I am too poor to be able to afford a loan from Wonga

Wonga offers loans at ridiculous rates.  I am too poor to throw money away like this:

The total cost works out to 74% for one day!
The tip says: "We suggest you choose your next pay day as the repayment date".  If they really cared about their customers, I can think of several more relevant tips, such as:
"Hey, we noticed you chose the minimum amount for 1 day.  Did you know that keeping it for 3 days won't cost you more?"

Yes, if you borrow more it becomes relatively cheaper, but now you know how they can afford prime time advertising on DSTV.  I wish my shares gave this kind of a return.  Currently Bitcoin seems to keep up, but who knows where that will end?