I tried to loan from the bank but i failed to the following requirements. Yes it is risk free that is why my loan request(0.18 btc) is small and it was my personal business. Well i can repay in 4 months and it is successful, no need to worry about it.
Think of it from a lender's perspective. Imagine: a Newbie account shows up, says that they will provide government ID for their loan request of 0.18 BTC, which is a significant sum of money. You already know that this is insufficient collateral (i.e. you will be unable to sell it in the case of a default) and you also know that this is something that can be bought, albeit from unscrupulous sources.
What do you think the lender would do in this situation? Would they send the 0.18 BTC to someone like you?