Prosper.com is a good option. Click the link below for a quick way to get there. If you sign up, I can probably help you with other details as well.

Go to Prosper.com and sign up to borrow money, fill all the stuff out, and they’ll tell you approx where your credit stands. They’ll also tell you at what rate you can borrow money from the lenders on their site, which are regular people just like you and me. Once you know all this, you can figure out if you qualify at a bank. Check out bankrate.com to see…..bank rates.

If you decide to go to a bank they’ll definitely want to confirm your employment and income, maybe see your taxes from last year. Contact references, and definitely run a credit check.

You never will know if you don’t apply. If you belong to a credit union try there first. Try not to go for the “big” name banks, they have no people skills

The only people that can answer this is your bank

Go talk to them