Best Alternatives to Payday Loans Apply for a “Bad Credit” Personal Loan. ... Consider a Payday Alternative Loan (PAL) ... Ask Your Creditor about a Payment Plan. ... Nonprofits and Charities. ... Borrow from a Credit Union. ... HELOC Loan. ... Personal Loans from Family or Friends. ... Secure a Credit Card Cash Advance. More items... May 31, 2023