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There are a lot of customers that don't have time to duck out of work to go to a bricks and mortar location, they can [apply for a loan]
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Only 3% of money is still in that old-fashioned form of cash that you can touch.
I can see how that would be possible (say, if you packed three sets of bunkbeds into a one-bedroom apartment, ate pasta and ramen all the time, and did nothing else), but I wouldnt want to do it.
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Your banker may be willing to lend you money up to the value of that item, an amount which can be determined by a professional appraisal.