@barney If you're looking for a loan and want to avoid banks, you first need to know where else you can get one. Here's a list of places that will provide you with an easy loan depending on your credit score.
Online Lending Sites - these are websites that are typically used by business owners or people with high credit scores. Interest rates vary, but they're generally better than what banks offer. A good example of such a site is ixigo. Ixigo has a large network of lenders who will compete for your business on unbelievably favorable terms. Interest rates are usually a hefty 2.5% per month - even on a high-credit score loan, you'll get a better rate than if you went to a bank.
Borrowing from Family and Friends - if you have a good relationship with anyone, there's a good chance you could borrow money. Of course, interest rates will be much higher than what you'd get with a lender online, but borrowing from friends and family can make things easier when it comes to adjusting your budget.
Local Businesses - unfortunately, many businesses these days work only with banks because it's easier and they get cheaper funding. However, some still offer loans at competitive rates. Ask around - the local gas station, shops, and restaurants may be able to help you get a better rate than what the bank is offering. However, this option is best saved when you're in a serious bind and can't get a loan elsewhere.