Is it permissible for me to obtain a loan from an interest-based bank due to my urgent need to pay off my debts, which I cannot settle with my simple income?

The usurious loan is undoubtedly forbidden and is not permissible except in cases of necessity. Istikhara (seeking guidance from Allah) is not performed for forbidden matters, but rather for recommended or permissible ones. Therefore, any ease experienced with this usurious loan has no connection to Istikhara, as Istikhara is fundamentally invalid for forbidden acts. One must refrain from this loan unless the situation reaches the level of necessity.