If you can get a fiat loan from a regular bank collateralized with say property. Then it's a no-brainer.
I was offered 2 small interest free loans (not really though, establishment fees equated to 2%), at a short 12 month and 2 year interval. I took them happily.
Just don't take on leverage with your Bitcoin as the collateral (say on an exchange) that is a recipe for getting rekt.