I have started a poll for best/suitable collateral against a loan here:
https://bitcointalk.org/index.php?topic=925961.0basically, you need to pledge a liquid asset in order to back up your loan, e.g. the lender shall be protected in case of default.
asking for a loan without collateral can actually bring lots of negative trust into your account...just for asking.
What kind of collateral?
The loan is to consolidate a couple of other payments.