Hmmm. $5k from a subprime lender sounds expensive.
Is this intended to be a Term Loan with fixed payments? If the main reason is to show a Term Loan, there is a much less expensive way to do that. Get a Share Scured $500 term loan from a credit union, something wth a fixed payback schedule and no future draws, and that can be used to show that Term Loan mix in your credit. You can pay it down a bit faster to get the utilization to a point that it helps your mix of credit.
And if the subprime loan is a Line of Credit, not a Term Loan, then it is unlikely to enhance your credit mix because it will be seen as Revolving Debt.
Have you talked with a local CU about setting up an account?
Have you considered joining Pentagon FCU? There are some hoops to jump through to get the membership, but PenFed has a number of interesting lending options available, and once you are accepted, you start building history to get those lending products, including autos and mortgages.
If you are qualified, Navy Federal CU may be something to consider.
Depending on the type of expenses you are trying to cover, there may be better ways to fund that.
