Am I likely to get this signature loan?

I am 18 years old and would really like to be able to afford Christmas gifts. I make 800.00 a month after taxes. I have no credit,but I am applying for one through my credit union(UFCU). YES! I could and would have saved up,but I am paying for college with no financial aid,because I didn't qualify living at... show more I am 18 years old and would really like to be able to afford Christmas gifts. I make 800.00 a month after taxes. I have no credit,but I am applying for one through my credit union(UFCU). YES! I could and would have saved up,but I am paying for college with no financial aid,because I didn't qualify living at home. I have no bills,or monthly responsibilities (besides school,which I pay in cash,in lump sums after I bust my *** to make it) Would I be better off buying a scratch off? ha. That was a joke,but if that doesn't work,what are some other options?
Update: Loan amount: 400.00
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