Can i give you a recommendation from my end, it's nothing but a suggestion which is what i would also prefer to take than looking for where to use a physical asset to take loan on bitcoin, the idea is just for you to go and learn to earn bitcoin if you're interested in having any than taking a loan, there are jobs and services you could render to earn bitcoin, or at least you exchange your fiat with bitcoin.
There's no offer you could get a d the rate they will be demanding won't be beyond what you could manage to bear, those that do such also make interest from it.