What does getting a cavity filled feel like? Dont want to pay for local

Bad. Its the drill that hurts. Pay for a local - or a laser drill - or get ready - it ain't fun or worth going wo anesthesia.
Local. They charge separately for local anesthesia? Id say find a dentist who doesn't. Unless you have the disposition for it, id say take it, because you dont want to be traumatized by the experience as you potentially may need more dental care in the future.