There are a lot of people having problems paying off their bills. If you need a loan or extra money to pay gas, electric bills and so on, the best thing you could think about is a payday loan, if you have a job - you get the money and then you pay it + the interest on the next pay day. Which is the problem? If you already have some financial problems and you can't get money fast from traditional lenders, then you have to think twice about getting a loan. A loan or a payday loan is not a wise decision if you have a bad financial situation. The first thing I could tell you is to get some money from friends, family or other relatives, get a job or make some money online - sell stuff on ebay, write on blogs and many others, it's kinda simple if you really need those money. 

   One of the problems with payday loans is that they could get addictive, if you just want to pay your bills - I have a friend who got a payday loan and after that got another payday loan to borrow money to pay the first payday loan interest and so on. You can get into bankruptcy, and in this case you should talk with your bankruptcy attorney to see what you can do about it. So, don't do that addictive stuff with payday loans, never. 

  Can you get a personal loan in order to pay your bills? Yes, the first thing you could do if you want more informations about this chapter is to get on google news in order to get more informations about this subject. There are fresh news down there and you can get more informations daily, so it's a good place to start. Then you could check your local bank in order to get more informations and see if you could get a loan, depending on your credit score and income.  

   What if you can't pay your electric bill? If you can't get a bank loan, altough is not recommended, you could take a payday loan, altough this is not recommended either - also, you could check friends, family and relatives in order to be sure you can get some money in order to get on your foot. Borrowing money when you are in debt is not a good thing to do!

•    No bank account, no credit? - you just got laid off work? There are a lot of people in your situation, but if you don't have a bank account is kinda complicated to get a loan nowadays, because you are a high risk. But, with your situation there are a lot of private lenders around the internet willing to give you the money you need to borrow, but with high interest. 

Here are some major changes you could do:

• get a second job - or get a job (offline, online - sell stuff on ebay, amazon, make money blogging)
• move back home or sell something
• you could also have a garage sell - try to sell things that you don't really need in order to get the money to consolidate your life and then you can move on and start working really hard and wise.
• try to repair your credit score and try to be careful in the future.
• try to negociate with your creditors ..

In the end you don't need to get a loan to pay your bills - you just need to cut your spendings, not to buy all the crappy things you find on the market. Take care of your family and children and be sure to get a job, two or more if you do want the best for your family. I know a mother that has 3 jobs but she can get her children through college, don't be lazy.