Actually, even if a Sr. Member verifies that he had a transaction with you, that doesn't count as a collateral. No collateral means no collateral and Newbies need to have a good collateral in order to get a loan. It might have been better if you said what are you using 1BTC for and why would you return 50% more (which is quite big for a loan interest) because most scammers use such big return to attract victims.
Even you are hero member and can not provide a valid collater no one will just lend you 1BTC the only exception is if you are very very highly trusted here.
Because even if legendary and other member vouching for you we have no guarantee to get the money back if you default on this loan!