Strike lets you refinance the minimum principle if you pay the interest off up to that point. At least they say they will. The risk is if that isn't true for some reason and you're forced to sell, which is why I wouldn't do this for a large percentage of sats.

As for zero collateral, every auto loan I know of in the US uses at least the vehicle as collateral. They hold the title. And you have to have fiat income to satisfy them and pay monthly on loan and interest. Strike allows payment at maturity or refinancing (again, they say, with risks of that not being true at some point).

I don't know of any bank in the US that just hands out 30-50k on a promise. Maybe a business loan, but not for consumer purchases that I know of outside of credit cards with much higher than 13% interest these days.