urgent need of funds
No, it's not urgent. I am pretty sure about this
but don't have any collateral to keep
Then you don't have a loan to acquire. Simple!
all i can depend on is that you trust my words
Who exactly is going to trust your words? We even don't know who the hell you are

i will return it fully with interest.
The only interest you are returning is scamming someone, and we all here know that you know it in your heart.