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Although APRs appear high compared to personal loans, for small amounts of short-term borrowing they can work out far cheaper than a payday loan. 0 credit cards have no interest to pay for a certain period of time.
Make sure that you repay at least the monthly minimum repayments to avoid fees and aim to repay in full sefcu bank personal loan the end of the 0 period.
Another option could be bad credit rating cards which, as the name suggests, are specifically designed for those with a poor credit rating. They could help you improve your credit rating so you can access more competitive products in future. They're likely to have a high interest rate and no interest-free promotional sefcu bank personal loan, though, so always try to pay off the balance in full each month.
Remember that, if you plan to withdraw cash, a credit card is unlikely to be the right choice as you'll be charged a fee and interest.