I was only a signature away from a bank loan of 80kUSD in december which I am not extremely happy did not go through (would've bought BTC around 18k).
It is a bad idea to get principal money from a loan. You get risk in your investment and you also pay interest. I always make sure that I only use money that I can afford to lose in any investments that I make.
I did not bring out any fiat to buy any crypto. Any altcoins or bitcoin that I have right now was paid from the money I get from signature and bounty campaigns.