If your credit is good (660+) and you are looking to borrow up to $25,000, whether you borrow from a bank, credit union, or personal lenders, the interest rate is the only thing that matters. Banks have the highest interest rates; credit unions base their rates on membership. You would need to be a member of the credit union and have a good history when them, it is very unlikely that you will find a credit union today and be able to get a loan within the next week if you do not at least have the balance in their accounts to cover the loan (secured loan). Unsecured personal loans means that you do not have the cash on hand to cover the loan but your credit history and income shows that you are capable and reliable enough to pay it back. I used to borrow from banks but with high interest rates it feels as if I could never pay off the balance, so I turned to a coworker that had friends who would lend their money to borrowers at lower interest rates than banks, basically cutting out the middle man. This is a win-win situation where the lender gets a better return on investment vs. keeping their money in the bank at a 1-2% annual interest rate and the borrower gets better rates saving them hundreds if not thousands on interest payments and fees. Just make sure that there is no penalty for paying off your balance earlier than expected. Remember, banks and credit unions want you paying that loan for as long as they can to collect as much in interest payments as possible. Do not borrow more than you think you can payback, if it overwhelms you, you are probably better off going with a more manageable amount. I put a recommendation for you in my list of sources, Good luck on finding what works for you.
http://www.sba.org and http://www.wplenders.com