Car payment and other bills

My car payment and other bills are overdue and I need a little help paying them. I need $2500 and can pay it off in 12 months, with 5% interest. My son has been ill and between medicine and having to take time off work unpaid it's been a struggle. Fortunately he is getting better so I just need to borrow the money for a short time. One more thing, I cannot and will not pay upfront a fees no matter what they are called. Thank you