OP gave us a small information and I don't have much to give either. Each loan from each banks has an interest rate and we don't know where OP want to take his loan and how much interest rate he is going to charge. If they are going to make the loan a long term and the interest rate is low and affordable, then he can go ahead but only if he has a source of income. He can't depend on the Bitcoin the money to pay back the loan, your wallet might have not mature to pay back.
Some people has become a Bitcoin owner through this and this is why some people preferred DCA. It's not a must to have an amount of Bitcoin at a place, you can buy and hold the little amount you collect as salary assuming you work and want to pay. Be doing DCA gradually until you are able to discuss an amount Bitcoin you have always wanted and you don't have to deal with the interest rate the banks are going to give you. Don't remain on debt if you want to be comfortable.
There won't be any need for OP to take a loan if he had a stable job to payback the loan. If he has a job, it is always better to keep investing a part of his salary in bitcoins every month instead of going a risky way. Loans are not that bad. We should use loans but it really depends where we are using the loan amounts. A very basic example will be to take a loan to buy a house instead of paying full cash. This way, you not only save heavy upfront cash payment but also get some tax relief. You can invest that money elsewhere and keep paying a small premium every month against the loan.
Seems like OP have missed an opportunity 3 years back and yes we have seen a huge price action since that time but now might be a riskier time for OP to start thinking about investing loan money into bitcoins. We did even see rate cuts so interest rates will not be a problem but still somewhere I feel like this can be a risky move.