Talking a loan to invest into Bitcoin with out any means of paying back and believing Bitcoin will pay you off before the expected loan date can be problematic that is just for those that want to option for a loan to invest into Bitcoin but if there is a means of paying back there won't be any problem at all, newbie can also learn Bitcoin is not a get rich quick investment that you will want to take loan to invest on it believing it will pay by then your Bitcoin journey will end along the line.
The thing that novice investors need to avoid when starting to invest in Bitcoin is that they should avoid borrowing money just to invest in Bitcoin, even if they have the ability to pay it. Because when someone invests using borrowed money, it means they need to bear the interest on the loan, and that could be a problem because the market could be stagnant for months.
It is better to invest using cold money, such as savings or money that has been previously allocated specifically for investing. In this way, not only can someone avoid interest due to loans but they can also focus more on investing.