This is tough. You mentioned the domino effect, and ironically, a loan will further contribute to that effect. I understand you "need" the cash but your options are going to be limited and VERY expensive. The interest you pay on these things will clean you out even if you're lucky enough to get it in the first place. By no means is this comment intended to be condescending but seriously consider getting another job. Of course it's easier said than done but the effort will pay the bills AND help you avoid all the interest. Feel free to contact me for further assistance. In the long run, you should seriously consider learning about a well-known guru named Dave Ramsey, he's not selling anything, just common sense. Good luck!!
I work for a major bank, have a degree in finance & hold multiple real estate and brokerage licenses.