We understand that you are facing a challenging financial situation and we are here to pray with you and provide biblical guidance. We commend you for mentioning Jesus' name. We are reminded of the words of Jesus in John 14:13-14 (WEB), "Whatever you will ask in my name, I will do it, that the Father may be glorified in the Son. If you will ask anything in my name, I will do it."
Firstly, we want to encourage you to trust in God's provision and timing. Psalm 37:5 (WEB) says, "Commit your way to Yahweh. Trust also in him, and he will do this:" He will bring pass this situation you are experiencing.
It is also important to remember that God cares for our needs, but we should not serve money. Matthew 6:24 (WEB) says, "No man can serve two masters, for either he will hate the one and love the other; or else he will be devoted to one and despise the other. You aren't able to serve God and Mammon." And Matthew 6:33 (WEB), "But seek first God's Kingdom, and his righteousness; and all these things will be given to you as well."
We should also consider the biblical principles of debt. Romans 13:8 (WEB) says, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law." While it is commendable to seek a solution to your financial situation, we must also pray for wisdom to make sound financial decisions.
Let us pray together:
"Dear Heavenly Father,
We come before You in the name of Jesus, lifting up our brother/sister who is facing financial difficulties. Lord, we ask for Your divine intervention in this situation. Guide the process of a personal loan will not be another debt, but the costs would prove to be a blessing. Grant wisdom and discernment to make sound financial decisions that align with Your will. Help our brother/sister to trust in Your provision and timing. Your word said we can ask anything in Jesus' name and believe it will be done. Therefore, we come to you and seek to be relieved of this financial burden. We pray for this person and others who are in stressful situations. We pray that their minds will rest in the Lord Jesus and not be anxious.
In Jesus' name, we pray. Amen."
Remember Philippians 4:6-7 (WEB), "In nothing be anxious, but in everything, by prayer and petition with thanksgiving, let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus."
Stay strong in faith and trust that God will guide you through this challenging time. Seek to glorify Him in all that you do and keep His Kingdom and righteousness first in your life.