Please help me with a payday loan?

I'm sorry to tell you that you won't qualify for any loans and it would be difficult for you to even get a payday loan. You have no job, you have horrible credit and you are on benefits (which can't be garnished if you don't pay back your loan). You are just going to have to live on what you have from your benefits. If you have money trouble consider selling some of your things, or canceling services that aren't essential (cable/internet).