@SRGroup, to be honest with you, I have not seen a newbie getting approved here.
You can read the requirements in OP, and in this one requirement below, you did not pass it already.
2. You must have a minimum of 25 earned merit to apply for a loan. I delete all applications that do not meet the bare minimum requirements.
However, it's still DarkStar's decision, but I highly doubt your loan will be approved.
We understand, and know about that. However, we decided to give it a try as it's a serious matter.