Try person to person lending. I write a blog about it and lend money myself, you create a listing and get your loan funded by people bidding on it like you would see on Ebay. Interest rates are 7.5% to 35% depending on your credit score.
You can see how to do it here:
http://p2plendingwithprosper.blogspot.com/2007/12/how-to-get-unsecured-loan-using-prosper.html