I need an urgent 400 dollar loan!

You can borrow from a credit union or a friend.

Don't borrow money from payday loan companies. They will ruin your financial life.

Suggestion - Stop buying presents if your financial life is so bad. What happened to your job?

It is better if you can have the loan from a friend or a family member. Taking out a personal loan or a payday loan isn't good for you.

Try to avoid gift-giving ritual when you have no money to afford it. Tell your family and friends that this year you are planning to enjoy a green festival. There is no gift giving and taking ritual.
Also, you should try to set aside a portion of money beforehand to buy gifts.
Anyway, if you really want to give a gift, then don't take out a loan, give homemade cookies, or cake to your family of friends as a gift.