need short term loan on primary residence: unique circumstances

[Lewis Mclean]

i need a short term loan (40k) against the equity in my primary residence. i own it free and clear. it's valued at 65k. i have no stated income. credit score 675. $0 debt. i've inquired at the banks about heloc, but have been turned away due to lack of proof of income. which type of lender should i use for this type of loan?

[Chris Martin]

Try https://www.lendingclub.com/ They say "Personal Loans up to $35,000." It's been a while since I've been to their site. Click on the Business loan tab, and they say "Borrow up to $300,000 with 1-5 year terms"