<human>: First off, I'm not sure if this is the right venue for this but I'll give it a shot anyways. 

I live in the States and I am close to closing a debt gap. off about $820.00. However, I just bought a car and the first payments are coming up - but soon. I didn't think I was going to get it but to my surprise I got it. The down side is that $820. I would like to clear it off my books asap, but I'm already tied into this deal. 

because I don't have any family to borrow from to expunge the debt a co-worker suggested I give this place a try. 

Perhaps I could take out a personal loan from the bank pay off the $820 then set aside the rest and when tax time rolls around (the time that I'll be able to repay the loan, unless I get that promotion sooner rather than later) pay it off? 

not sure. what my options here are... if someone could fill me in that would be great.

Give me the gist of the text in a nutshell
<bot>: Have a small debt to clear. Not enough money yet to cover it, need time to appropriate the funds, however, APR could stand to be the enemy need ideas to acquire a small loan or the sum needed to clear the loan.