[FLAME PROOF SUIT ON]
I've unfortunately had to go down this road as well, though I know that many before me and many after me will do the same. Sad, but unfortunately for the for-seeable future this will be the way the game gets played
I just went to the CONN-on-wealth, gave them the truth behind the reason I needed the loan (up to $50k for a personal loan). Approved in principle on the spot, and finalised the following day.
Now to pay the bugger back..
[FLAME PROOF SUIT - STAYS ON!]