Have you ever given a person you don't know $3,400?  That is the problem, it's not you. It is because the many people who asked for a loan before. Most turned out to be scams.

If you really want a loan you should offer "secured collateral". For example if you offered the deed to a house or a car trust would not be an issue because if you ran away the lender would get your home or car. You will find that the lenders here are no different than a bank.