First of all, I hope I'm posting this in the right place.  If I'm not, please let me know and I'll delete the post and move it to the appropriate forum.

I got involved in buying BTC and other altcoins in early July 2017.  If I had made a substantial investment at the time (in BTC which was at $2,400 at the time) i would be a lot better off now - financially.  I've been thinking about taking out a small personal loan (about $12k) and using it to either buy BTC or invest in the Bitconnect lending program where I can make about 40% per month.  I can get the $12k loan at 10.97% APR, no origination fee, 36 month term at $393 per month, and no prepayment penalty.  If loan goes to term the total interest would be $2,031.74.

If i were to invest it in BTC, I would need a 12% jump rather quickly in order for this to payoff.  However, an investment into BitConnect's lending program with their 40% average monthly return would allow me to pay the loan off in less than 3 months and after that nothing but profit.

I know it's risky, but I wanted to see if any of the members have every tried this and what was the outcome.  Any advice is welcome and appreciated.