You could check out a service like Lending Club. There are some reviews out there on Google if you want to take a look.

Prosper.com

Try peer-to-peer lending services if they are available in your state. Also look to see if you can apply for a credit card.

i think you have misunderstood payday loans..actually If a person hears of a bad experience, they think that all payday loans have the same experience..you need cash fast and they are only one who give the fash money you need..... It's not a scam as long as they tell you the amount you will be expected to pay back. i would suggest you to take a payday loan. But keeping in mind that the monthly installment of this loans suits your pocket well this time.

OMG...I hope you did not take any of that advice! If you want to avoid the payday loan don't go there. Sounds like you are spending more then you make. You need to fix that by giving yourself a budget.

You can't borrow your way out of debt

1. Stop borrowing money!
2. Put a plan in place (budget)
3. Communicate this plan to your creditors
4. Sell stuff, work more, or tighten up the budget
5. Save $500 to $1000 for emergency so you never have to get these payday loans
6. Pay the creditors that you can or that will accept your smaller payments (understand what can happen if you don't)
7. Relax and understand that you are working a plan

you should go for a budget plan

in present situation borrow from your friend

Umm, why not use payday loan?

Hi,

Payday loans are one of the best options to get cash into your bank account within an hour. It's very helpful for those who have bads credit history. These are the loans designed to help those confronted with an unpredictable cash crunch situation between the paydays.

Thanks