I think investing in cryptocurrencies should not take a loan at all. Because cryptocurrency markets fluctuate widely and it can result in profit or loss if invested at any given time. And if there is a risk of losing money later if you invest by borrowing, then you will end up with a lot of debt towards life in the future. So my idea is to invest without taking a loan and save a small amount from your earnings to invest later. Such investment should be done only then one can expect good things in future.