Payday Loans
While they generally don't carry an interest rate, they do charge a fee. The loan gets renewed if it's not paid back on time and the fees rack up. Payday borrowers, on the average, pay back $793 for a $325 loan.

Credit Card Cash advances
The average interest right now on credit card advances is a whopping 22 percent... And most companies will also tack on a fee of between 2 and 5 percent.

Overdraft Loans
Just about every bank offers courtesy overdraft protection on your checking account. Usually, a small fee, maybe $35 is charged on purchases after your account balance reaches zero. Beware, some banks will charge the fee on every single purchase until your checking balance is above zero.

401K Loans
Borrowing from your 401K can be better than the loans above. You pay yourself back. However, if you lose your job, the loan is due immediately. If you stop making regular contributions while paying the loan back, then you're hurting your retirement.