Can I pay into an unsecured loan and loan amounts to income

[MIchael McCUe]

Hello I hear their are unsecured loans I can acquire via my income history I believe they give you an income of 20% of the loan now can I pay into the debt replacing pre existing gray space the remaining 80% or will it remain outside as a new amount, hopefully that's understandable.

also if I earn $30,000  annually what amount do they let me receive, thanks appreciate entirely.