<prompt> Human: I want to buy a ring this month. I am thinking my best way is a personal loan from my credit union. The bad thing is, I have a poor credit score low 600s from messing up my credit about 4 years ago. I am 3 payments away from having that done with and debt free. Do I have any chance of getting approved? What are my best options if I cannot get approved? Is a personal loan from my credit union probably better than what I will be offered int he store? Also, as a bonus, marriage tips? lolEDIT: should have added I will be putting half down. Around 3000 then financing 1 or 2 thousand.  <response>: A marriage tip and a financial one: dont borrow money for something whose value drops like a rock!Sorry for the pun. 