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.
Of course that's how loan works. Lenders must make profits so the service will expand to multiple borrowers.
But there are lenders who do a no interest loan especially if it's your close friend or know your capability of repaiding it in a matter of short term.