No probs.

I guess the behaviour of banks changes a lot across countries.

In my case, personal loans are easy to get if you have a steady income stream, and banks are happy to give away while your installments-to-income stays somewhere under 30-40%. After that, it's very hard to convince them. Their algorithms automatically throw you out.

Regarding what you are using the loan for: they say they care, but they lie. There will probably be a checkbox somewhere to ask about it. You can happily proceed to pick any box (never changes the conditions you are being offered) and they will never ask again or perform any kind of check.

And about loans with collateral: it's an area I'm currently researching about, but I don't have a lot of experience with it either. Surely, no bank around here would touch BTC as collateral, but some might be willing to take other tradfi assets like stocks and mutual funds. Real state is also an option, of course.