<prompt> Human: Ive been attempting to find a bank that will offer a small loan of about 1,000, but most, including mine, dont because of the small return. If there is no penalty for paying it off early, couldnt I just immediately pay back 4,000 and pay the 1,000 back with the same interest as a 5,000 loan?Assistant: Is that for SoFI? Hah... I ask because the min for them is 5k I thinkHuman: No, BofA, but the 5k minimum seems pretty common and also pretty frustratingAssistant: Do you have good really good credit?Human: This is gonna be the death of me but it is non-existent. Ive never established credit  <response>: How do you expect to get a loan with no credit? 