Do a google search of the name and the author and put epub back of that. IF there is one, it will show you the site it is on.
If there isn't, the prepaid credit card would be your next stop. They do not do credit checks. You pay the money and it goes on your card minus the fees. Then you use it like a regular credit card. Very simple. No credit check because if you don't have money on it, you don't get any money. You have to refill the card to be able to use it and you cannot spend more than you put on it.
That will allow you to buy anything on any site that allows that card [ie visa, mastercard or the like]
Edited to add:
Here is an example of one type of prepaid credit card. There are more. If you are interested please search around the net to find the best deal for you. You are not allowed to view links.
And I'm a bit puzzled. Why don't you just add funds from your bank account to paypal? You don't have to have a credit card to use paypal. I know smashwords has the book in epub so you should be able to buy it there. It says clearly on the site it works on a Kobo.