Credit cards are risky for consumers as they are potentially a very expensive way of borrowing and can easily leave people with serious debt problems. The same is true of using a payday or short term loan provider to borrow money as they often charge very high interest rates that for many can be difficult to cover.
If you require a short-term loan to cover an unexpected expense it is advisable to seek the help of a credit union as opposed to a high street bank or short term/payday loan provider. Credit unions are non-profit, community run loan providers. As they are non-profit providers of loans the interest rates will tend to be much lower than what you would pay with a commercial loan or on a credit card. Your local authority can provide you with information on credit unions in your local community.
You should not be requiring a loan on a regular basis. If you find that you require loans on a regular basis to cover day-to-day expenses please seek financial advice. You can find useful advice on many financial matters online via Money Saving Expert.