Not yet, since I still have enough money, (lucky, I'm still single). 

I would only borrow money for btc if; I have a great plan to make more money out of it that I could compensate whatever I use and double it if possible. Any plan that would not give me sure money, well, I won't even try to borrow.

I'm wondering how will borrower told a lending company about his/her plans to use it to buy bitcoin. It looks like it is difficult at the moment.