My wife needs some dental work done immediately and I am about $400 short. So I wanted to ask how easy would be to a $400 loan from a bank or credit union. I know there are instant options available out there in the internet. But I have read up on most of those, and most want to be paid back with your next paycheck. I can not really afford to do that. I am looking for a short term loan for only six months to a one year to repay. Any way I can actually do this?