Following me here?  Okay.

You want money that you're going to spend on personal matters.

You promise to pay it back with interest.

Okay.  We're up to speed?  Good.

1.  If you can't afford to pay for your personal matters now, how do you plan to get that, AND the cash to pay back your loaner?
2.  You have no intention to spend this money on something that will generate more money.  Think about it from the loaner's perspective.

I mean, the least you could do is lie to me.  Tell me you plan to use the money to make a butt load more money.  Then I could at least call you a scammer.  But this is just silly.