Where can I get $1,000 loan for Christmas that does not include a payday loan.?

I make more than enough enough money to pay it back in installments. I bring home about $3000 monthly, but my present credit situation is a work in progress. I brought it up from 370 to 550, but thats still too low to qualify for traditional loans. Any suggestions? I'd like to spend $500 on Christmas and the other $500 on paying off low balance credit card. Please advise. Thanks.