In my oponion, Bitcoin loans are too risky, because there are too many scammers online, and you don't want to be a victim from it. At this time, I think what you need to do is hold your coins and wait until price increase, to invest in something else later.
If you want to trust everyone you potentially can met online, and after a brief exchange of posts, PMs, chat you are willing to lend him/her your BTC then you are in trouble.
And with proper collateral bitcoin lending is still very profitable business. Even if you sometimes won't receive your bitcoins back, with good collateral you will be still ahead.
The big question is what are the proper collateral, we know we are transacting in a online world and we cannot ensure a borrower will give a hard collateral that we can dispose for money.