Yep, using BTC only as transfer medium for the value.

I think that's a nice experiment.

But I don't think you find a competitive loan here. Bitcoiners are still used to ridiculous rates from various scams.

I only know it from Germany, but there are portals where private persons give credits to private persons at usually much more competitive rates than banks.

https://www.auxmoney.com is a good one and has already >400.000 People(user accounts) in it.

I think there are platforms like this in the US as well.