Hi engele, in my observation, you actually CAN get a loan here WITHOUT any crypto/altcoin collateral, but you will need to build trust among the bitcointalk community. You will need at least be a Hero Member, with several loan transactions done and repaid in time (surely you need to provide crypto collateral at first).  Once you have built that trust, people might give you the next loan without any crypto collateral.

The idea here is the lender want to make money, the borrower need to make sure he/she can use the loan and repay the lender on time.