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.
On this forum there are several kind of loans. some do charge interest some don't. Depends if they like you and there is the problem. The moment if you lend money to an unknown, either you need an escrow or valid collateral.
Those who do not charge interest also expect tips.
