⭐ Merited by LoyceV (4)
I need a loan of $10k and I'm willing to put $5,000 on the line as to show you how serious about this I am.
You can run away with your newbie account and the rest 10k - 5k which makes it another 5k dollars. Whats the harm in that? 
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I'll repay the loan with in a 7 day period and willing to provide more information for peice of mind to the lender.
Try going to the bank and telling them this story and they will surely give you a nice "peice" on your bum for asking for a laughable tradeoff.If you are serious about getting a loan you need to offer a bigger amount of valid collateral like shasan said.