<human>: Can you succinctly summarize the text in 1-3 sentences?

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.
<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.