Ami Jarman took out a payday loan to pay for a new tyre for her car, initially borrowing £100, a week before her payday.
She told Daybreak that with interested she needed to payback £170, leaving her short for the next month, so she took out an additional loan to cover the cost of the first one.
By the end of three years Ami had borrowed £8,000, and because of £6,000 in interest, she paid back £14,000.
"It's hard to get out of the circle once you are in it," she said.
More top news
A 16-year-old boy has been arrested on suspicion of terror offences as he prepared to leave the UK.
An man is reported to have wounded at least five people - two seriously - in an attack in the Swiss town of Schaffhausen.
Donald Trump's son-in-law has denied any improper conduct during four contacts with Russians during and after the presidential election.