If i were in desperate need for money I'd ask myself how I got into that situation first. After that I'd try to cash in all my bitcoin wallets and see how much I have.
Then I'd go to the forums and check services which I could possibly do and try to earn a quick buck that way. There's not much more options then that, maybe borrow from a relative.
I think that it depends on how desperate I was and when I needed the money because if I have time then I would take an extra job.
If i needed the money as soon as possible then I would have to take a loan.