Don't you have quite a bit in the bank. I have a credit union that will lend me money on a secured loan - up to what I have in their account for like 5%. (might be a little higher now, but I did a small loan at 5% in the late 90's.)

I would also say that the bank I had money in wanted to give me the same deal at 18% - so I would call around your credit unions specifically.

LOL, I will also add that there were no processing fees other than $10.