You are not going to get a lean over the forum with not collateral.. you should instead use
https://btcjam.com (If you dare.. ) good luck.
I already did but my listing has not been approved, I tried posting like 2 listings there but both hasn't approve.
I don't have any other options.
Is there anyone from here can tell more options for me to pay my bills in time?
Wow not ever BTCJam wants you. That is saying something. Have you tried talking to a bank. They might be able to hook you up.
Also you claim to need .4 BTC, and claim to give back a total of .6BTC. I mean how can you afford to pay that kind of interest if you can't even pay bills