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Go for a 0% spending https casino vulkan com card, if you’ve a decent credit history. If not, then even poor-credit credit cards at what we’d normally say are horrid 29-20% APRs are much cheaper than payday loans. To ensure this is kept for disciplined emergency use only, not willy-nilly spending, once you get the card, put it in a waterproof bag, then put that bag in a bag full of water & put it in the freezer. You’ll need to smash the ice – which should give you serious pause for thought as you hack away to get the card, if you need it.