What is your credit score? Do you have an account with a balance in a local bank, or credit union? Ask for a referral from someone who has been in your financial situation. See the Source for a Yahoo Answer from 2009.
I just go down and tell my basnk manager I want a loan
By putting up collateral worth 60K
You have to have collateral, like a house.
apply at the bank wher you have your savings/checking account