I am sure i will payback then why lender want to sell
Your assurances are worth less than that shitty NFT account you are offering as collateral. No one is going to lend a penny to a newbie without assurance that they can recover their funds if or when you default on the loan.
This looks more like an effort for sell of some crappy, worthless NFTs than a loan. My suggestion is you sell your NFT account to get the funds that you need, no lender want to be left holding that bag.