Authorised overdrafts are probably the cheapest way to ensure you have access to an emergency fund and are easy to set up. You should approach your main bank provider to whom your salary is paid and request an overdraft facility. They will run a credit check to authorise this.  Credit unions are another good alternative. These financial co-operatives are member-run and offer better rates for small loans under £4,000.  Payday loan providers charge very high rates of interest and are not advisable.  Withdrawing money on a credit card is expensive, with 2-3% fees just for withdrawals, although as a last resort they are still a better option.