If you do not have any collateral, what you seek is a signature loan, which is also called an unsecured loan or personal loan.
I have two suggestions for you. First, read the Federal Trade Commission document, "Payday Loans Equal Very Costly Cash: Consumers Urged to Consider the Alternatives" and determine if any of the suggested alternatives in that document will work for you.
Finally, the fact that you need to raise $5,000 to pay your water bill is a symptom of a deeper problem. You must create a household budget so that paying routine utility bills does not trigger an emergency response. Download the free Bills.com budget guide and go through the pain of creating a household budget. Once you have a budget in place and stick to it, you will not experience these problems in the future.
I hope this information helps you Find. Learn & Save.