If you have an established reputation with your current financial provider it's possible that they could offer a deal tailored to your circumstances and that's more attractive than the options advertised to the wider market. If you don't speak to your current provider, you won't know. Overdrafts. Is there a possibility of getting or extending an overdraft on your current account to cover the amount you need.
Some banks offer a 0 interest overdraft on a certain amount, or interest and fees that work out far cheaper than a payday loan. Make sure that you never go over the agreed overdraft limit though, as unarranged overdraft fees can be very costly. Personal and bad when to apply for personal loan loans. Consider whether a personal loan with a longer term and lower interest period would be a better choice for you than a payday loan.
There are dedicated bad credit loans on the market which - if handled correctly - could prove useful options. Remember that, if you choose a secured loan which uses your property as collateral, then your home's at risk of being repossessed if you miss repayments.
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