I'd advise against taking a loan to take a Lightning Loan just to test LN 
You won't be able to pay back the loan, because opening and closing channels costs miners fees , also txs to eclair wallet. So you will pay at least 4 transaction fees, and those open/close fees are quite obscure to me (spent much more than expected)Yeh I'm seeing there's a few coins that need to be locked away just to be able to transact on the Lightning Network.
Not to mention that he will also have to spend some coins in order to be able to receive payments. @Timelord2067 check out this website.
I'm looking at trying out testnet coins for a little while and will then try out the main-net version again.
Timelord2067's Trusted Testnet Thunder Timepayments?
Soon my precious...
