Old thread, but I have a suggestion. I've never taken a personal loan from a bank, so I'm not sure if it would work.
I know you don't want a 10K loan. If you believe you could qualify, then as a last resort you could take the 10K in funds. As your first payment use 9K of the funds...leaving you with just a 1000.00 of principal + the interest accrued for the first month. Or use some other combination.
If you have the discipline, pull from the remaining loan funds to make payments each month. All it would cost you is the interest accrued each month.
Of course watch out for a prepayment penalty and like I said....discipline not to spend any of the loan.