Anyone who really know/experienced and could recommend a personal finance loan, do inform me the plan (no guessing games,please)

my status are as follows to date:
- Employed under private company, not government
- Salary almost RM2,000
- Confirmation letter by employer received January 2009
- EPF savings started 5 months ago

I have already browsed online / phone calls to a few local banks(CIMB, Maybank, BankIslam, etc.), none of their mini personal finance loans could accept me due to one or two requirements (working with company >6months from confirmation date, government servant, asset as guarantor, etc.).

The situation I am in right now isn't death threatening, but I would really like to settle some things with this small loan. Does not matter to me the interest %,  as long as not more than RM500 per month for the duration of repayment.

http://www.ambank.com.my/personal/loansfin...financing-i.asp

Eligibility
Open to Government, Semi-Government Agencies, Royal Malaysian Police and Government-Linked Companies' employees between 19 to 58 years of age. - FAILED
Minimum 3 months of steady employment (2 years if under contract) with monthly deduction not exceeding 60% of the gross salary. - PASS

once again, not possible.