Credit Unions let barrow against your savings, at first barrowing you own money money sounds silly, but how many have you taken money out of savings says you'll put it , yea right... .But if you barrow against it, your money stays in savings , and money is released for use with every loan payment, and it will only cost you anywhere between 2-3% above the then current earning rate.
Now each credit union has their own policies, but few years agos I took out 2 such loans at my credit union, Since it was a secured loan they didn't pull my CR, and I just figured they wouldn't bother reporting it to the CRAs unless I defaulted, but to my pleasent surprise , they are on my CR and there isn't even a mention of them being secured, two installment loans, 0 imquires.... priceless(R).
So if you have no credit or want to inprove your credit, talk to a local credit union, and find out what their polices are.