Since there is not really an established secuirtized market financing will vary greatly from one borrower to another and from one institution to another. It's something you will have to shop for. The main three "C"s will come into play, credit, capacity and collateral. It seems you're stuck on the collateral side, but this is only one consideration and one can also have what lenders call "compensating factors" to overcome the low side of these three considerations.
A compensating factor would be more of a down payment, much better credit or very good income
. Another is other collateral, if someone has a CD in that bank or other assets that can be listed as collateral, you lessen the risk associated with the loan. As mentioned above, having a banking relationship for 20 years will also be a factor, how many loans you have obtained and paid as agreed, not just your credit score.
How you reduce risk of default for the lender will dictate how much and what kind of loan terms you will get. So, each situation can be so different that asking here really won't give you that much to go on.
Such factors can be broadly viewed by smaller lenders...credit unions are great, large banks, IMO, are not the place for most individuals to use as they are geared to larger depositors and business accounts. Larger lenders are also burried by corporate policies and loan officers are usually locked in to compliance, regardless of who the borrower is. So, look for a mid size or smaller institution that can deal with you and while the interest may be slightly higher, in the grand scope
of things, a few hundred dollars may mean obtaining the money
You'll need to do your own homework due to your personal situation