I must really be a newbie. This is the first time I am hearing of loans in the Crypto space.
If the interest rate is not too high, then it isn't really a bad idea, but, there must be a genuine need for it, otherwise, it will be counter productive.
If there is nothing important to do, then there is no need to make a loan anywhere, including in the crypto space because each loan is clearly a responsibility to repay one day with the provision of interest rates at first even though it will not be too much, which is a clear burden will remain for everyone who makes a loan.
So no need to do it if there is nothing important to do.