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.
Regarding with Shahan as loaner looks OP has qualify to get chance loan trough in the lending board, he actives on signature campaign and easily get approving loan but have difference loan interest between loan in lending board and taking offline loan as trough Bank. Not easily approving loan with Bank if haven't expensive certificate and higher values than with how much loan want to approving.
I think you right with your ideas better for OP applying loan in lending board but seems he only receiving not really big amount due his account level still Full Member.
This qualify rule for applying loan in Shahan lending board.
Before accepting a loan I see a few things about them:
#Trust
# recent merit
# recent post
# Signature campaign.
But the user has failed all of these as the user woke up recently. Who knows if the account has been sold or not? However, the possibility of being hacked is too low as the user had not created any post regarding the hack.