When we are borrowing, one point is crucial to understand. The purchasing power of money we will return determines if the terms were good. Interest rates play a dance with other prices in the economy. Especially prices you can charge your customers.

Morale: i borrow shitcoins. The worse, the better. Low interest rate loan in some coconut currency is the best I think.

Ymmv, not financial service. Just think of what you will have to return.