If I were in a desperate need of money I would get a loan if the situation would be very urgent and if I wouldn't have a job I would get one. lol
You could also take on a spot in a signature campaign. You can make around $100-$150/month if you are serious about it.
Yes, get a loan is not wise decision. If we in a desperate need of money, we better looking for job or sell some stuff. The interest of the debt will make our life getting worst. I agree that signature campaign is good solution too.
Getting a loan might not be a wise decision because of the interest rate and all but that solves your problem right away. There are times when the consequence will be much worse if you don't solve the problem right away. Most of the time when we are in desperate need for money, that means that someone got into the hospital or some other emergency has happened. Will you get a job or join signature campaign first before taking your dying mother (just an example) to the hospital? Of course not.
Urgent need? How eager is it? Sell the house, sell the car, so it can not be resolved, then only the choice of loans. You may have to pay a lot of interest, and life will be more embarrassing.
Why would you even be embarrassed? No one cares about what you do in real life. To be honest, even your friends will understand it if you take a loan. Getting a loan is quite common.
Selling the house and/or the car just so you don't get a loan because it's embarrassing is very absurd to me. Where are you going to live then? How are you going to work? Selling the house, getting out all your furniture, moving out, etc. will be a lot of work. Selling your car and commuting to go to work is hard. All of these efforts just so you won't get "embarrassed"?
Btw, it's not easy to sell your house/car unless you sell it at a really low price. And even at low price, it will still take days/weeks before you find a buyer.