Still, banks don't have a complete relationship with the bitcoin, so we should get a loan in bitcoin on the individual who has bitcoins. Maybe we need to sign the agreement meant with the person we are choosing for loans. Previously some exchange is having option lending bitcoin loans but many people have cheated the system. Now the only option we have is from the individual.
Why always banks? Bitcoins were created because bankig system is completely wrong so getting loan from the individual is the best possible way for now but in future of bitcoin is the majoor form of payment then we may have some companies which give loans on legal basis after collecting the valid collateral documents.