I have just been retrenched before early this year, so I understand the pressure, but it depends:

If you have no job and still looking, don't think anything else and just straight go to AKPK, they will help

But if you already secured a Job, or have another income like Grab etc. The easiest and fast maybe thru SLoan (Shopee).. TnG is another alternative, but this express and the interest rate for sure high..

I don't think you are able to apply for normal loan (which better interest) if your are still not working...

Just don't gali lubang deeper to tutup another lubang.. just go to AKPK