@christmasmagic Read what OneRing has said. You do not need a loan, you just need to understand the process of ctax.
At this stage in council tax proceedings you have had the opportunity to pay and haven't so the full balance for the year is due. BUT it does not go to a county court, so no CCJ it goes to a different court (magistrates I think) and the council is granted a liability order which literally says you are liable for the council tax and this is the bit they want because that grants them certain powers. I used to work in council tax. We would have hundreds at once, the judge says yes, they get rubber stamped. No one "gets their day in court" unless they can prove they are not liable for the bill.
Once the council have got a liability order, then they will make a payment arrangement with you. In the meantime, pay what you can toward the bill. Do not take out a loan to cover anything. Honestly, just ring up once it has gone to court and then make a payment arrangement. At the council I worked at we would make a payment arrangement now but still subject to getting that liability order. I was completely lovely to everybody, you don't get money out of people being an arsehole. We understand people either fuck up or forget.
Start working out what you can afford to pay. Ideally they want it in before 31st March because your new and increased council tax bill will be produced for the next financial year. They might ask for an income and expenditure form and just be aware that this liability order gives them the right to collect the money directly from your salary at a fixed and eye watering percent. I am sure that with the cost of living crisis they are probably being more lenient in arrangement payment plans but always know they have that in their back pocket. Information on that can be found googling attachment of earnings and your council. It is set by central government. Never forget that council tax is a tax, collected locally. They don't piss around. The reminders and final notices are also set by central government, every council works on roughly the same guidelines.
You are not alone, even in times of a great economy, people struggle. If you ever can't make a council tax payment in future, pay something, anything you can toward it and contact them to tell them. We can reset and hold stuff ie letters but you have to contact them. Council tax is collected over 10 months to give us 2 months to get the rest of the outstanding balance in to pay for the services it covers. I hope that helps you.