This question has its answer straight into it, any loan that is instan’t must be expensive, there can not be a different way witht them. If the interests would be small than lenders won’t have any profit, and without profit nobody makes business.
This type of loans can be used just in some cases, in urgent cases, in last minute cases, this type of loans must be your last resort. Loans aren’t something that you should play with unless you have some knowledge about them
Any loan you take can make you bigger problems. Try to loan as much as you can pay back. Always predict your futere expences so that you won’t have finnancial issues.
BE SURE TO THINK BEFORE YOU ACT!
Keep in mind that there is no such thing as a cheap loan!