I always had hard time convincing myself to buy Bitcoin with a loan from bank. Eventually I bought some around 20-21k levels with something like 1k usd loan with 0.5% interest. It definitely doesn't kill me because I work so I have fixed income. But as I explained, if rates are not good enough and you are not having good income its best to not buy Bitcoin with a loan. I wish you best with your purchase. I guess you (OP) already made profit as price is higher now. Also its best to put that Bitcoin into earn program so you can generate more for future.
What if you have a stable job but the interest rates of the loan are higher than usual? Would you still have the guts to take the loan? For me no but even if the interest rates are only normal I think I will still not take a loan only to buy BTC at the dip. I always have a bad feeling about loaning money ever since, because I already saw someone else who is struggling to pay his loans and he already sold some of his appliances only to pay some amounts because he is now being threatened by the lending company.
If BTC value is higher now, we can always wait for it go down but at the mean time, we can only set aside and stack some of our residual money from our salary. It will be a perfect timing to use once BTC is dipping heavily as that can also take time.