Family or friends
Whilst you should always avoid loan sharks, borrowing money from a family member or friend is a good option, provided you are able to pay back the money when you suggested, as this could break down a relationship. Friends and family are more willing to lend money at 0% interest, meaning you avoid all fees and the high rates that most financial service companies carry. As mentioned though, be careful to repay the loan as and when you said you would.
Bank loans, whilst still a loan, offer smaller interest rates than those of payday loans. They also allow you to repay over a longer period of time, meaning repayments can be smaller and more manageable. Speak with your own bank as they may be able to offer you a good rate as a loyal customer. Failing that, try shopping around on websites like money supermarket or money saving expert for a better deal.
Whilst not a great option, borrowing money on your credit card may offer better rates than a short-term pay day loan. Some credit card companies will not offer this as an option, however, again, it is important to shop around to find the best deals. If you are borrowing in order to pay of a credit card, it could be worthwhile looking a opening a second credit card and transferring the balance. Many credit card companies allow you to transfer balances at 0% interest for up to 18 months so should definitely be another option to look into.