Well BTCJam isn't really a thing anymore. There are other services, but none of them are actually good.
Basically you're talking about giving your money away to a third party who is extremely likely to scam you even if they give ID (some people scam many Bitcoin off people with ID) and the loan would be denominated in fiat currency, meaning that with the 13% interest or so that
BitBond offers would result in you actually
losing Bitcoin after the loan due to consistent rises in prices which are higher than that.
The only situation in which it would be good is if the Bitcoin price fell and stayed that way for a whole year, which is pretty unlikely and also just means that even more people will default on their loan.
Not a good idea.