<prompt> Human: So, I was unemployed in Texas for 6 months. I worked my ass off, was putting in applications left and right, did everything I could, but I couldnt make payments anymore and eventually, last month, the car got repossessed.So I sold everything I owned and moved my family of three to New Jersey to live with my wifes aunt. Somehow, a miracle, I have a developer job in NYC and now make a decent amount of money, 48k a year.The car loan has 6800 remaining after sale. The bank called and said theyd settle for 50-70 of the loan showing a lot of their hand there but it has to be one payment.Is it possible to secure a personal loan in my position? My credit is likely terrible because of all of these recent events. I would need at least 3400 dollar personal loan that I could pay off in just a few months realistically I have less than 1000 living expenses and 4000 a month income.Are there other options? What banks should I try for a personal loan? I am walking blind in this situation with no experience.Assistant: How do you have 4k a month income at 48k a year? Maybe youre talking gross? You could try checking lending club but if your credit is horrible it could be ugly. If youre absolutely certain that you can pay it off, Id try like hell to qualify for one of the 0 interest credit cards, but only if you have the strong mental will to stay focused on paying it offHuman: I take home 4k a month. thats 48k a year.Assistant: Usually a lot is taken out in taxes. Human: I -take home 4k a month-.  <response>: Just so you know, whenever someone talks about their annual income, 99.9 of the time the number is before taxes. Monthly income kind of varies with some people going pre-tax and others take-home payEdit: And a piece of advice: If they are telling you they may settle for 50, theyd probably settle for less than that. 