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Going Into Debt To Buy Bitcoin (Is It A Good Idea?)It is never advisable to take out a personal loan or borrow money of any kind to invest in cryptocurrency. While digital coin is a hot commodity. Crypto lending allows you to borrow money � either cash or cryptocurrency � for a fee, typically between 5 percent to 10 percent. It's. You can buy BTC and hold it for the rest life if you choose. Financing a $50k car at a % interest rate that looses 50% in value over time is.