In Thailand I can not take personal loans and I can not take Secured loans because I can not own a property. If you work and have a permit for work for a few years maybe they will give you a credit card and maybe you can pay off a car but you will never get a personal loan. The best way is to check online loans before you move to Thailand and pay the loan off from there. It might be complicated but believe me there is no bank in Thailand that will give you money. Well off course if you bring in millions of dollars I am sure some bank will lend you some petty cash.