You can get a loan on this forum and the lender does not need to know your identity. You will see services like that on the lending board on this forum. If you have collateral like altcoins, or if you are in a signature campaign, you get a loan on this forum.
But if the loan is through bank or those loaning apps, they will demand for your identity and if you default any loan, you will be reported in a way that other loaning sites and bank will know.
This is why I don't want to support Forum loan. It's painful to see someone loosing their hard earned money to scammers who default loan. Banks are very right to demand for collateral that worth up to your loan amount so incase you default the loan, the property will be seize and use to recover their money. In the case of online mobile loans, some of them have a way to tape your phone that you can not be able to use your phone if the deadline exceed and you refused to pay. Here in the forum, you only get negative tag for defaulting the loan and you continue to live your life, create a new account and start over if you want to while the lender remain empty and feel remorse for lending you the money. I have been thinking of a way to recover loan in this forum but I'm yet to reach any conclusion.