There's someone right now on the Lending board, who takes larger and larger loans right after paying one back.
I've seen it many times, both online and IRL: taking a loan once, paying it back with interest, and never doing it again can actually help someone. But doing it on a regular basis either drains your finances, or you're filling one hole with another and not planning to ever pay it back. Either way, it often gets worse after a while.
The chance of scamming is high by those who repay loan and trying to take large and after paying that asking larger and this way continue and once a time the user default the loan. Though there is an exception and but the chance of scamming is too high.