One way, how many reliable friends you have? Borrow 1-2k from each of them. Pay them back via installment monthy (and punctual) for the next two years. Interest free.
Second way, go apply plenty credit cards. I always have a few unused credit cards (never attempt to swipe it for materials, these cards are for your emergency use). There are companies nowadays operating "legally" in cashing out the credit limit in your credit card, converting them into instant cash.
Example, let's say you have 15k credit limit card. And you would like to have 5k drawn out for emergency. You go to these companies, and they will let you know the max period you can do installment. Mbank allows up to 3 years installment (it's zero interest with epp scheme offered by the Mbank itself). Of course these companies need to earn. Therefore they would need you to pay 18% for the amount swiped in converting to installment. You total loss is RM 900.00 for 5k swiped.
This is a better option than personal loan because,
Divide that 18% into 3 years will be 6% per year.
Therefore you interest rate is only 6% per year using a 3 years period credit card installment.
Tips: some cards offer up to 5 years installment (18% divided by 5 years = 3.6% per year)
You pay directly to the bank monthly via installment the same as you have purchased a 5k item by installment scheme. No need paperwork to apply personal loan.
Should u not the discipline-type, I suggest you cut all your credit cards. It is your worst hell if you do not know how to utilize it. It will tempt you always...especially when you're in need of cash...and set you deeper into the pit...
Personal Loan, Any inquiries you may raise here.