<prompt> Human: This may be an asinine question, and I checked the sidebar for info but I couldnt find any info. A google search was also fruitless. I have a personal loan from a credit union with about 600 left on it. I was wondering if it was possible to get, say, a 1000 loan from the credit union and pay off the loan and have the 400 to put into my bank account? Its about 120 overdrawn and there are more checks coming out which will put me further in the red and incur more fees. I just wanted to know if this was a possibility because I dont want to walk the 2 miles there and 2 miles back just to have them tell me theres no way.  <response>: Would you give a loan to someone in the red and with an outstanding loan? 