All credits are additional costs. You will need to give this money and pay additional expenses. There are really many projects online for making money. You can also find work or part-time jobs online.
I lost my job due to the pandemic. Now I work for a company based in Germany. I receive payment in cryptocurrency. Next, using the BestChange service, I exchange satoshi to usd
https://www.bestchange.com/converter/
Therefore, I would advise you to think again before applying for loans.