I just started using btc so I have no other account. I know nothing about alt coins. I do have some jewelry and loose gemstones but unless the person is local I don't see that working.
Unfortunately that's how it goes when it comes to lending here, either you have a very high reputation that a lender will trust you with 0.05
BTC loan without a collateral or offer a collateral. Physical items can be used as collateral but it will cost you because you need to ship that item first to the lender or escrow so bottom line, that's not a good option. If you really need money, start asking your friends or a relative to help you out.