How Would You Get It?

[Young Spark]

Alright, here is the thing... any help is appreciated.

I applied for a personal loan of $10,000 from a private lender... of course many are probably thinking (he must be stupid.) But the fact is simple though, I'm hoping to use it to get my life started... I have multiple plans with this $10,000 --- including fixing my car which will run about $2,000-$2,500 and the rest will go between investing in a bank CD and advancing my knowledge in cash flow notes (in short, the rest of the money will help me study and research on the notes so I can have some form R.O.I.) It'll be almost $1,000 worth of training materials for myself and then I am also going to split the rest as I said in between a bank CD and even starting my own business.

Anyway, enough of what it'll be used for. Unfortunately, with my fresh-out-of-the-box credit history... I am relying on the private lender as a way of building my credit history and teaching me responsibilites as well so that I can get my future right. But with a private lender, I need a $300 non-equity security collateral payment. I'm trying to figure out how to get the $300 but can't figure out how. I actually need $500 to consolidate some payments from my bank, but anyway.

Does anybody have any idea's how I can get the $500... I've tried already tried payday loans (thinking if I get the money I'll pay the fee for the security collateral then when I get the loan the next day I will pay them back.) Unfortunately I can't find any that will meet my goal. At the same time, I haven't been in work this whole week because I have been sick so I am sure my check will be cheap next week. So can somebody help me out in this small crisis.

P.S. I tried asking family members but $300 is a lot of money to them. So yeah.

[ProLogic]

I wouldn't fix that car for that much. With that money, You could buy another good fuel efficient vehicle.

[Young Spark]

Yeah, but you figure this though... the car is already paid off... if I go buy a good "fuel-efficient" car, I'll be paying payments on it for years... PLUS the loan payments, which is something I don't want to do... I rather pay the $800 for the engine, $700 to have it put in and a new CD player and some body work... preferrably a paint job.

Either way, I'm trying to think of a conservative way of keeping more money in my pockets.