First of all, people are interested in loans when the market is predicted and the currency is stable. For now, we can't say that the crypto market is stable.
But thanks to SSI (self-sovereign identity) platforms which help business (who can give a loan) and clients (who need a loan) assert their IDs > in this case, clients will no longer remain anonymous and almost all cryptocurrencies won't allow anonymous transactions. It will make the market more open and clear for both sides. But in this case, we do not take into consideration decentralized crypto exchanges.
Also, thank the Smart Contracts, the process of lending crypto will be much simpler and faster.