How many simulatanious connections does this VPN need? I know literally free secure VPN services but they only accept 1 connection.... And Further more really good one that offers 5 for €5 worth of BTC ... Are you sure a loan is the only way?
ProtonVPN = 1 connection Free (they assume you might upgrade in the future ofcourse, but it's 100% free no ads, no bs, just like protonmail their original service)
Mullvad = 5 connections €5/$5/same in btc
Maybe these tips helps... UNless that $10 btc gives you more than 10 connections at once I feel you might just be in luck with my tips