Sadly its all I have right now Im waiting to get my cheque tomorow thats how I will be paying back
Then I'm sure your investment on Ripple can wait tomorrow 
Your account is worthless, so unless you have any valid collaterral you won't get any loan here
I'm willing to give out this loan with a valid collateral
You can't use a ponzi hyip account as collateral. It's not a valid form of loan security.
If the ponzi and btctalk accounts are all you have to offer, then I don't think you will get a loan from anyone here.
It's almost tomorrow so just wait for that cheque. Ripple will still be around by the time you cash out that cheque. It's the one and only reasonable thing to do, considering the circumstances.