While I wouldn't advocate PayDay loans, it may be worth looking at Zopa - the P2P loan agency http://uk.zopa.com/ http://uk.zopa.com/ Also, ask your employer i

While I wouldn't advocate PayDay loans, it may be worth looking at Zopa - the P2P loan agency http://uk.zopa.com/ http://uk.zopa.com/ Also, ask your employer if they have a season ticket loan. They'll give you the money to buy your train ticket - you pay it back (interest free) via payroll.