I need to apply for a secure personal loan with NO COLLATERAL OTHER THAN MONEY?

I am looking to get a small personal loan of $5000 my credit isn't the best, but I am building it back up and have been making payments on time with all my bills. I am slowly but surely paying off old creditors. My monthly income is $6000 and have no problem of paying a loan back. I need the one lump sum to pay for something vs. saving it over 6-9 months. I applied on line and got a call back from Harris Burke Financial - http://www.harrisburkefinancial.com they offered me the $5000 from a private lender and the terms are this: 8 Percent fixed rate at $225 per month over 24 months. I would have to give them collateral ( either car that is owned or home -- I do not have either ) last option is to pay them $903.26 cents which is equal to 5 months and then they would direct deposit the next day. Sounds too good to be true and it's making me feel uneasy when he says it is a personal lender. However, with that down payment I would not have to pay any amount until October of this year as that down payment goes toward my monthly payments. I would like some tips/tricks or known companies that do provide secure loans that have better visibility. I cannot find anything out about then online other than their website. HELP PLEASE.