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To unlock your first loan, you need to upgrade the credit garage which cost 100x level 2 cursors.
So in order to take the loan, you first need to upgrade cursors to lvl 2.
Keep in mind, that the loan is only worth it when youre playing a combo, because the penalty-time wont run out when the game is closed.
So you need cursors level 4 and 200 cursors.