But, may I ask, do your coin has 1 BTC "loaded". Like do you mean it has an address inside and that is loaded with 1 BTC?
A physical
BTC "is" an address since it considered a wallet.
You can check
here or read
this article which I find a bit funny.
You can probably get a good loan that is denominated in BTC.
However, if you were to get a loan in fiat, then it would be a whole different story. Physical Bitcoins are worth a decent amount but it's very hard to liquidate if needed. Cryptos are too volatile and the market for physical Bitcoins, especially those which are of higher denominations can be rather small. It would be time consuming and difficult for the lender to liquidate it so I wouldn't expect much interest on these.
I agree with you and I just want to add the verification/ shipping since we are talking about physical collateral. So if the lender has an interest, he will need the coins on his hand (literally) and then he will send any amount. Due to the covid crap, I can assure you that shipping items with any company or mail courier are back to the '80s!!!
Atm your best chance is to find a lender near you or sell one of them...