yes, that makes sense that since I am seeking it out of necessity that it would be permitted, but you also have to think about it this way.. Because I know that I can pay the entire sum back within a months time, taking a loan from the bank would mean taking on interest even when you could of gone without paying interest if that makes sense.. Correct me if I am wrong but banks do not like it when you pay early since they make there money of interest and if you do pay a early you end up paying a predefined amount of interest... so either way you are paying some riba.... I'm going to keep seeking muslims or organisations that do this, that lend for a very short period of time so as to avoid usuary at any cost if it can be avoided..
a bank loan is my last resort.