You have probably seen the many websites that offer a quick cash loan that can be the money you need when your finances have hit bottom.   It is not a good thing to run that low on funds so that you need a loan, but when it does happen, you will be glad to know who to turn to. 
There are many websites you can apply on and then see what kind of quote you get.  Apply to more than one of course so you can have four or five quotes to compare.  Only when you compare loan costs can you make the right choice.  Each loan company will have their own circumstances and cost and it is your job to choose the one that fits your needs and budget. 
Getting that short term loan you need to fill that gap in your finances can be just the fix needed to put your mind at rest.  As long as you make timely payments to repay it, you will be fine and your credit score will benefit.  A good score is important and will give you a loan that costs less than that person with bad credit.