First of all I want to say that even though investing with bitcoins can make huge pockets, it will never guarantee you the percentage of profit you will get over time.  And the price of Bitcoin will not only go up, it can also go down.  So of course you have to be at a risk if you invest in other cryptocurrencies including Bitcoin. But in the meantime if you hold on to your bitcoins and meet your loan needs it will be much more risky for you. So I will not suggest you. You can sell your bitcoins for your emergency needs and later buy bitcoins again as per your ability.