Quote from: krkrkr on December 24, 2019, 11:30:55 PM

Why borrow here when you have a collateral?

It is quite obvious that people take these loans in the bear market but not only.
All cryptocurrencies lost a lot of value during the last 2 years and people don't want to sell them at these prices.
It is better to take a loan and give your ERC 20 tokens, ETH or any other crypto as collateral in such circumstances.

There are also many other reasons that members take crypto loans on this forum, especially small amounts for a short amount of time.
Many members are enrolled in signature campaigns and earn money in many other ways on the forum.
Sometimes they need a few Satoshis until next week, so they take a loan.

Loans in the bull market are already explained:

Quote from: iamsheikhadil on December 25, 2019, 02:18:15 PM

...if there is a bull run then the price of the alt coins will give one great returns because of lower prices, like if you have invested in a coin of $0.01 and if it goes to 0.03$, voila you get 3x profits...you can have future profits as well as you meet your demand of urgent need using a loan.