I'm buying ~500$ in Bitcoin every month with part of my salary. I have a stable job and my company is doing good. I'm wondering if it worth to take 20.000$ to buy 2 BTC now and pay the 500$ as loan installment instead of buying sats every month. I believe in the potential of Bitcoin to reach 50k in a couple years, but it wouldn't be possible to buy near half of BTC at the 500$ rate, so this would be something like an "advance". Hypothetically (but still possible in some probability), if BTC collapses and never recover from 8k, I would still be paying this loan for about 3 years but wouldn't starve or something like that, it would just sux for a while, since I still have another source of income. I know it's not the place to ask I will do whatever I think it's best, but if you were in my position, would you do it?
You say that "you will be paying this loan for about 3 years". Will you be paying it by lowering your lifestyle or you will just use to extra money you would have invested anyway?
I think you need to sleep on it for a few days, $20k is not a low amount and the fact that you can pay it only 3 years sounds a lot to me. Bitcoin is still a wild west with this violent swings. Don't forget that we're in a pandemic and things are worsening. Are you confident that you can keep your job if the COVID crisis persists for another 1 year?
I don't know how your portfolio is spread out aka what other investments you have and your overall financial status, but I wouldn't borrow this much. Maybe think about getting only a half or a quarter of that sum.