<prompt> Human: Hello, I want to take out a personal loan between 10-15K. Im 25 and make around 3000month after taxes. I was going to walk into my bank and apply for one that way, and also considering going into another bank like Wachovia to see how their interest rates compare.I also have an account with Discover, and theyve been pretty good so far to me. I can apply for a personal loan with them as well.Does anybody have any experience with Discover personal loans vs. going to a bank to apply for one? And how the interest rates apply? I believe my credit score is in the high 600s or low to mid 700s.Thank you!Assistant: I dont, but get a consultation from all the places who offer them. Dont apply, just learn and ask questions for the first week. The purpose of the loan matters, for funding and for viability. Human: Im going to use it to invest in some stocks. Even if the stocks hypothetically went to 0 I dont see why that would matter considering my means of payment is from the job Ive had for the past 5 years. Thats what Im hoping for anyway.  <response>: No offense, but I think this may be the worst idea Ive heard all week. Lets say you get a 15,000 loan at 10 for three years. You are borrowing 17,500 from your future self. In three years, are you going to be happy that someone you took that amount of money from you?Unless you have some amazing tip that will land you in jail for exploiting, you will break even at best. Is it worth the gamble to maybe make a few percent annualized return? You sure as hell have to beat 10 to not take a loss - and thats not even considering taxes. So youll have to make even more of a return than that of the interest rate you are being charged on your loan. Please dont do this. 