Are you not working full-time? A part-time job to increase your income makes more sense than a personal loan or selling your house. You might also consider renting out a room in your house to a tenant to increase your income.

You have been rejected for the loan because you don’t make enough money to pay for your expenses plus the loan. The best idea is probably to publish your budget here to see where you could cut expenses and getting a second job.

If you're full-time employed, your very first step is finding a way to make your lifestyle fit your (presumably above-minimum wage) salary.

That means making a budget, step 1.

Look for 0% apr cash advance credit cards. You can likely get a few grand for a year or 18 months.

In your situation, there's nothing wrong with going to a food bank so that you're eating more than PB sandwiches.

Have you sat down and looked at where your money has gone over the last few months? You need to do that before you can fix the problem. Don't lump things together. List all your utilities separately. List all your monthly subscriptions separately. Separate out food and restaurants.

And yes, it sounds like you need a higher paying job. Hopefully, finding one will be easier after the first of the year when budgets reset and the holiday chaos is over. You might also consider a second job for the evenings and/or weekends as a short term partial solution to your cash flow issue. You have a house. Renting out a room or two would also be a huge help.

A loan is a new obligation, not a source of income. If you can't pay your existing bills adding a new bill is not the solution to that problem.

It seems like you explained exactly why you’re getting denied. You don’t make enough money to afford your monthly debt obligations. So why would you be able to afford your obligations + the monthly payments in this $5K personal loan?

sell you car and use that money to pay the bills.

you save :

car payment

insurance

maintenance

and get some additional money. to clear with your debt.

finally when you have better paying job you can save something and then start looking for another vehicle.

Can't exactly do that one otherwise I'd have no way to get to a job. I live in a rural area, we don't have public transportation here.

Only expenses I have currently are basic utilities, mortgage, insurance, and car payment. Already cut the rest out.

Could you move further out, get a roommate, or move in with family?

I just need something to stay afloat long enough until I can get a better job. A temporary fix.

I don't have a lifestyle, I work and come home, that's about it. Don't go out to eat or drink, nothing.

I've looked into trying to get a roommate, problem I've run into so far is no one else wants to actually pay rent. They all want to live rent free. Ridiculous.

And what happens when the new job doesn't materialize as fast as you want it to?

This line of thinking spirals out of control very quickly and leads to multiple payday and personal loans. Your situation will be much worse in 6 months if you address it this way.

When "lifestyle" is used in a personal finance context, it's not referring to your social life.

It refers to what it costs to maintain your life: your rent/mortgage, your car payments, what insurance you have, what you spend on bills, groceries/households, daily costs like parking or gas, dependents like kids, etc. etc. etc.

Get a pastime job that’s after your regular job

Roommates. Share the house for rent

Work on weekends and a night or 2 during the week.....all a loan does is get you deeper into debt. This will also curb any kind of spending your doing, so it's double bubble.