<prompt> Human: Hello! Im the guitarist for my bandwe havent launched yet so nothing really to show, but soon! and weve been toying around with the idea in taking out a loan to cover some of our expenses. We need a van, t-shirts, vinyl pressing etc... weve estimated anywhere between 3000-5000 . Thing is the 4 of us are not entirely sure where I start. Should we go to a bank or credit union? And what should we look out for? Any info would be greatly appreciated:  <response>: Taking out 5k to buy promo stuff and a van probably isnt a great idea unless you already know that you can generate income. If you can generate income, it shouldnt take that long to put together 5k to buy that stuff and save you the interest. Youre going to have a hard time getting a loan unless youve got regular incomes and decent credit scores, and the interest rate is likely to be fairly high since it will be an unsecured loan. 