Is there any point in applying with these predictions?

I want to apply for psychology at a good university and I'm currently in year 13. My UCAS predicted grades are:
Psychology: A
Maths: A
Physics: C

The entry requirements for the universities I want to apply to are:
York: AAA-AAB
Loughborough: AAB
Lincoln: ABB
Bangor: ABB
5th choice undecided.

Because of my predicted C in physics, am I likely to get any offers from these universities? I'm currently really struggling in physics so I can't really persuade my teachers to raise my prediction to a B.
I am willing to put in the work to get a B by next summer, but I am just worried about not receiving any offers because of not meeting any of the entry criteria.
For my fifth choice, I'll probably have to put a university with low entry requirements but the thing is, psychology is quite competitive so the only unis with low requirements are the bad ones which I wouldn't go to even if I got given an unconditional offer from them.

Should I:
(a) Apply to these universities anyway and see what happens.
(b) Apply to universities with lower entry requirements and then go through adjustment when I get better grades than my predictions.
(c) Have a gap year and apply then with my achieved grades.