of course it is very risky.
at first they wanted to borrow money or bitcoin we have to face that really should be loaned out, and when they have money, they probably will not return and instead use it for other purposes. beware lending
Yeah taking a loan is always risky and a negative thing in my opinion because you will have to pay more then you will loan. But if you can pay it without a problem it should be no big deal to take a loan.