Have you tried The Money Shop or Wonga? It's pretty good; all you do is borrow £20 and you can pay it off during the year. I think the total to be paid will be something like £27,328.66p but at least you'll have DayZ for Christmas
I'd stick to the mod for the time being and if you have a bit of dosh floating around after new year, it's worth a punt even in this state. You're not missing out on too much at present though