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
Not quite, but I think you are just confusing words.
If you don't have collateral, you won't get the loan.
There are many people here willing to escrow (including myself) so that is not an issue.
You need some alt coin like litecoin or dogecoin for collateral.