Payout is tasty but you don't need a loan.
Speak with your host, give them a call if they got a call line.
Explain your situation, if you've been a good customer and always paid your bill in a reasonable time frame, it's all you need to do.
I've been late for weeks on some bills but that's rare, never lost a minute nor a site.
With forums today, web hosts are a lot more polite than 10 years ago.
It's better for them to give you a bit more time than lost a long term customer
They're usually pretty lenient if you're late and they're a reasonable host.
I've switched hosts many times, they will do anything rather than lose a customer.
Seriously, companies go great distances to keep customers now and web hosting is an aggressive arena.
I own a dozen websites and dealt with web hosts for decades, shit happens, they're aware of that.
Hope this helps!
Auf Weidersehen