I don't think that loans is too risky, but i think this would be depends in loaner and the one that would filled the loan. First they should estimate or check the loaner if its safe to filled their loan, then in that way your money is always safe and for as safe also they should not load without valid collateral
Clearly saying yes it still depends from who the loaner is,his economic status and source of income.If a person who doesnt have a souce of income and forms a loan then its risky for him but for business mans who have a good decent business its not a risk to take for them.