I feel your angle. Time is actually what you are struggling with and it is well understood, some of the users have same issue too. The best you can do is to still leave your bitcoin inside the wallet, you sell when it is high and buy again when it is low. With this, you won't be bordering with always checking on your investment. You can also trade forex on a long time like a month if you like.

But, if you want to give your money to loan service, be sure it is registered.