There are some schools with later admissions, so it's possible that you could hear something. It just depends on which schools you applied to. If not, I would second what ilovelab said. If you can get funding, a master's could be very helpful, but it's not worth going into debt over. There could be funded master's programs still accepting admissions at this point, but I'm not sure that there would be a lot of them. I know there have been some discussions about that elsewhere on the forum.
If you can find an academic lab to work in, you can increase your research experience and you may be able to take some courses for free or very cheap to help boost your GPA. I think getting more research experience could be one of the most important things you can do. It seems like so many people now are going into grad school having started doing research as a first year undergrad, so a year might not be enough to be competitive. You may also want to retake the GRE depending on where you want to apply.