I've known Bitcoins for more than 5 years already, does that mean I can loan 1BTC? No. If you don't have money to mine, then don't. It's as simple as that. I'll be here forever waiting for someone crazy enough to give you a loan. If it's a 3 month loan, then why don't the lender just mine etherium himself? That way, he'll be sure that he'll get profit, unlike when he gives you loan, he wouldn't know if you'd pay him. Please consider that.

On a side note, your legal identification has no worth here.