I did almost same thing. Personal loan near the top, only for the price to keep falling.
Nobody can predict the tops or the bottoms.
Lower your time preference. Dollar cost average.
Last cycle I took out a personal loan to buy the $69k top then 0% interest rate credit cards to buy the dip, and the next dip all the way down to $16k.
If you're thinking about taking out a loan to stack sats, here's perspective from someone who timed it exactly wrong
https://blossom.primal.net/684a870f1b196ec36638d6305a0962f12296a877cae4c9050960d76f037b2776.mp4
Discussion
There were so many larpers on X expecting a super cycle last top, saying it's going higher.
Absolutely true, but when the majority of people "get it", they do everything they can to just get as many sats as they can. I suppose the math works out in the end a lot of the time (maybe even most of the time), but leverage can really fuck you up.