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Did you even read the whitepaper? Do you even understand why this technology is being used and for what goals? How the eff does unbanked population of any region comes under the scope of what Salt is doing?
Salt needs 125% collateral in crypto currency, before they will even give you loan. And please go and ask on their telegram channel - what happens if the value of crypto goes down during loan period, they will simply state that your collateral will be liquidated
The minimum loan is also, IIRC, $5K - quite large for many of the unbanked. This doesn't include the fact that you, at least not too long ago, had to buy SALT at $25 - a price that is still several times more than the current market price of ~$3.10 - just to sign up for their service.
As for asking questions regarding price on their telegram, good luck with that. Emma C and co will most likely respond with a threat of about how you'll be banned or be permanently restricted like what happened to this guy:
Same thing happened to me a few moments after asking what we
were allowed to discuss, asked about their sorta competitors like Regal (a ponzi) and
Elixir and started getting this whenever I clicked on the invite link:

And please you will never be able to buy it under ICO price, the ICO tiers started from 0.25$, redistributed among devs and insiders most probably.
Ah,
the fishy "totally not an ICO" ICO. Try to discuss the
"SALT ICO" in the telegram and you might get an absurd excuse as to why they're totally not one.