Asking for a payday advance: Your employee may well be more sympathetic than you think in offering you an advance on your pay. Certainly, it might be worth asking. Borrowing from friends or family: If you are going down this route it is important that you put the agreement in writing, work out a budget and a repayment plan and also discuss the ramifications of what happens on if you are not able to make a payment. Using a credit card: These can actually be a cheaper option than a payday loan if you are able to get approved. Using an authorised overdraft: Whilst expensive, this option is still cheaper than a payday loan, subject to acceptance. Borrowing from a credit union: With this sort of loan, there is a cap on the amount of interest chargeable. An interest-free loan from the Social Fund: You may be able to apply for an interest-free budgeting loan from the Social Fund. Help from your local welfare assistance scheme: If you are struggling to pay for essentials like food, water and heating you may be eligible for governmental help. Sell your unwanted items: Using sites such as eBay may be an easy way to earn money fast.