Borrow it form family, friends or from the company in which you are working for. Else use credit card and then pay some higher interest . Do some part time job for few months so that you can have extra money and pay it.
We should start borrowing from family members or friends so we cannot bear the interest of the amount borrowed, banks of lending company should just be our last option if we cannot seek help within the group of our family and friends.
First we borrow to our friends or family members to evade those interest as other says the same. Bank and lending firms would be the last resort if the first option didnt work.
There are really times that we are in need in money especially on emergencies and not expected thing that happen that need a financial support.
You are very right because if we start relying on loans even for 10-20$ needs and very often then surely people start doubting that why would someone need a 10-20$ loan. Most of the loans need collateral and I think taking money from family is better than putting valuable account on collateral.