Bitcoin loans or simply called bitcoin lending are now become popular simply because of many people who want to have that. In this forum you can see a lending thread where you can borrow some bitcoin but it need collateral for assurance that you will pay.
I generally avoid any loans and try to do without them, because I consider them a debt pit, from which it is very difficult to get out later. Only a profitable and sustainable business justifies the receipt of loans. Credits in cryptocurrency are doubly risky.
It is good to live without any debt, once we borrow and get debt we're ruining ourselves. Better is to stay happy and limit according to the earning. Cryptocurrency network is now getting onto the loans through different ico programs. Till date what we have for long term profiting through lending is very small.