How to get a small loan fast?

Basically as my christmas presemt my mums giving me some money towards an iphone 5! I'm going to pay the rest of it when i sell my current phone and get paid in jan 2013, the problem is me and mum don't want me to wait that long for my present! I've been looking a small loan companies but the word loan creeps me out… Could i take one out with my bank, i'm useless at this stuff:|

Wait till after chrismas no debt no extra money to pay and you will be happy you did it go on you can do it