Octomom -- From Alone to a Loan

What could go wrong??? Octomom -- the most financially irresponsible person on the planet -- is now hawking a solution to all YOUR money problems ... in the form of dangerously high-interest cash loans.

Sources tell TMZ, Octo recently signed a deal to endorse a service called OctoLoan, which connects users to cash lenders -- offering financially desperate people access to as much as $1,000 instantly.

Problem is -- the loans are short-term ... and extremely high-interest ... often exceeding 600% APR ... which means they're usually NOT a good idea for people in dire straits (the target demo).