Can I get a loan and back it up with an annuity?

Question

I get a $40,000 dollar a year annuity and I need to take out a loan for $5,000. The annuity comes around again mid next year. How hard would it be to get a bank to lend me the 5,000 using the annuity to assure them I could pay it off?

I have pretty decent credit btw and I am a student.

Answer 1

Take up a loan from your annuity company.

Answer 2

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Answer 3

Apply for loan,
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