If I were in that situation, I'd simply ask for a loan at bank, that's still the easiest way, and you don't have to deal with anyone that you don't know.
Do you have all the requirements to make you qualify for the loan application you will do. Mind you it's not easy to take a loan in the bank as they are very strict with the requirements and that is to ensure that such borrower will be able to pay.
Most people will be granted the loan proven that they have a stable job, what ever job it is. Of course if you want to borrow 25 000$ that will be a problem but I doubt you'll need it for anything else than buying a car, an appartement or an house.
yeah aside from requirements, there would also be big interests if you loan from banks. it would be better to just borrow money from people you know. although there normally are no interests when you borrow from people, it's their trust that you have to take care of because if you lose a person's trust because of money, it's very hard to earn it back.