If you need money urgently, you can pay it back. In fact, you can borrow it from acquaintances, because you will definitely know which acquaintances will have some money to turn around. Of course, borrowing money is certainly not for nothing, and interest should be added, at least not lower than bank interest.
Step 2 borrow from relatives and friends
If you really need a sum of money, it is actually the most reliable to find relatives and friends, because they all know each other and are not afraid that you can't go out. You can think about it in the circle of relatives and friends.