Small Instant loan for self employed

Hi guys so for unavoidable reasons i have a 60k upcoming icici bill on 30th

I thought i could pay it on time, but i ducked up, now i can either convert it to EMI or need to take an instant digital loan.

Emi is like 18% interest, 3% foreclosure and 1% processing

I will have the money by next month. Is there any other cheaper way? I have no issue taking a 9m / 12m loan but not so high interest rate and probably lower foreclosure fee

I have around 6-7lakh/yr self employed itr for past 2-3 years.

Main thing is i want it digital, no home verification or anything (don’t want anyone else to know)