But I don't think you find a competitive loan here. Bitcoiners are still used to ridiculous rates from various scams.
Yes the rates were inflated by BS&T however you will still have to pay a lot more in interest because:
1) I keep my BTC and do not lend them out. I end up with the same number of BTC at the new higher value.
2) I lend out my BTC and get back LESS of them. I end up with LESS BTC at the higher value.
You will not find anyone (who is long BTC) willing to part with their BTC for a "reasonable" dollar on dollar interest rate and this has nothing to do with scams, pirateat40 or BCS&T.
You will find people (me for instance) who lend out BTC for reasonable BTC on BTC interest rates. But the "real" intestest rate you will pay if you have to buy BTC to pay back the loan in six months can and probably will be astronomical.