If you're really in a tough spot financially you're going to be hurting with a 25% interest rate over 6 months.  I donate to https://www.modestneeds.org/index.asp -- they help people who are actually in need, you should fill out an application there.

During the application process, we determined that, though your household does not meet our self-sufficiency standard, your household might qualify either for a Bridge Grant or a New Employment Grant from Modest Needs.

However, on the previous two screens, you confirmed that none of the conditions that would make your household eligible to apply for one of those two grants were applicable to your household.

Under these circumstances, your household does not qualify to apply either for a Bridge Grant or for a New Employment Grant from Modest Needs.

Because these were the only two of Modest Needs' grant programs for which your household might have been eligible to apply, we cannot accept an application for assistance from your household at this time.