<prompt> Human: Long story short, i need a personal loan. I got approved by Discover very easily as my score atm is over 700. I have baddies from a year ago. Since then ive paid off student loans and bought a car. I havent had a late payment in years.Discover wants a bunch of docs i dont have.I thought about having a family member cosign for a loan, but my immediate family members have HORRIBLE credit.Advice greatly appreciated!Eta: Docs requested:Checking account routing i get paid cash1040 pps 12  <response>: No proof of income no collateral no loan. 