sory i dont get it about escrow , cuz im noob here heheheh , i just know about loan and gv back ,hehhe maybe u can explain to me ? what i must do for get a loan hehehe thanks 
No one here will just give you the coins. You need to provide something we can resell should you not pay back. That is called collateral.
So in short, if you have nothing, you won't get a loan. Sorry
