There are three alternatives to getting a payday loan: borrowing from family or friends, using a credit card, or taking out a personal loan. Borrowing from family or friends can be difficult if they don't have the money to lend or if they live far away.
Using a credit card can be expensive if the balance isn't paid off in full each month. Personal loans typically have lower interest rates and shorter terms than payday loans, but they can still be expensive if not repaid on time.