If you are in your thirties or older, then you remember the days of walking into a bank to get a loan. Nowadays, most people barely even go into their local branch, and they certainly are not on a first name basis with the bank employees. So, when it comes time to get a loan, you don't really have a friend in the bank anymore. That makes it tough for a lot of people, especially those with low credit scores or past bankruptcies and sometimes the only loan they can get is a personal secured loan.
A secured loan is one in which you offer up certain possessions that you already own, such as the title of your car, and this makes the lender feel a lot more comfortable about loaning you money. In the past, you would actually have to bring the item to the lender, such as in the case of a pawn shop, but now most personal secured loans are obtained online and there is no need to prove that you actually do own what you are collateralizing.
Almost anyone can get a personal secured loan these days, and there are few qualifications that are set in stone. Perhaps the one qualification that is required almost across the board is the necessity to be a legal resident of this country. If you do not have a passport, a driver's license, or some other form of government-issued identification, then you will have a tough time getting a loan. In fact, you may be better off just looking for a loan from your host country.
However, if you are legal, you are over eighteen years old, you have a job, and a phone number where you can be contacted, you should have no problem at all getting a loan like this.