Thinking about a bank loan, out loud here.

[native]

So it sounds like you have no credit? The only way I know of building credit is to get a credit card, use it to buy regular things that you need like groceries, gas etc..normal daily stuff..then at the end of each month pay it off so you never pay any of the interest rate. This shows that you're able to pay a bill, making you "credit worthy". The only other way to get a loan that I know of is with a relative/friend as a co-signer.

*drops mic, spins, struts into the darkness*