You can "borrow" a thread cutter set from most O'Reilly Autoparts stores. I used one here - they take a deposit equal to the purchase price ($95 for the whole kit) and refund the entire amount when you return it.
I used my debit card and it took a couple days to get the refund posted, where the charge posted immediately. Other than that, I had no trouble and the only effort was driving to the store twice (once to go get it, once to take it back).