Lots of good advice above from those with much more experience than me. Certainly not intending to contradict any of the above counsel
But simply answering the question as posed in the OP.
A possibility that I did not see mentioned above, Have you tried your credit union? Your credit union MIGHT offer you A comparable rate for an unsecured loan As you might get on a Home equity line of credit from a Traditional bank
And that approach will not get you in hot water With the taxman.
But your interest rate will largely depend on your overall credit history and your history with the particular credit union.
May the Force be with you (as you will probably need it)