The issue you have is that you have no trust here.  There is no way you can ask us to trust you as a newbie when we have no security you are going to pay back.  We are not saying you are a bad person, you just have no security here.  This is not like a bank where you come in and furnish your id and pay stubs and get money then go on your way.  We can not verify you and there is no trust.  This is why we require collateral.  No Collateral, no loan.