Thinking about a BTC loan instead of selling for a summer trip. looking for real experiences

Quick context on why I’m asking: i've been DCA-ing into btc for about a year, finally have a stack I'm not embarrassed about. Plan is to keep adding for the long haul, this is basically a sort of my retirement fund. But this summer a couple friends and I want to do an Asia trip and I need to pay my share.

Selling part of the BTC feels wrong on two levels. My average entry is a bit higher than where we are now, so I'd be locking in a loss. I'd be also cutting into the exact thing i'm trying to grow. That's why I'm thinking of getting a loan, but don't really know where to start.

Never used a crypto loan myself. Saw a big Nexo ad at Heathrow on my last flight to Vienna, and for some time now I'm reading JPM and Goldman are doing btc-backed loans too. The option keeps showing up. Curious what people who've actually used these think. Few things I'd love input on:

1/ On the TradFi side: Has anyone actually taken a btc-backed loan from JPM or Goldman? Is this a US-only thing or can someone based in the EU access it too? What kind of rates were you quoted?

2/ On the CeFi part (Nexo specifically): They've been doing this longer than any of the TradFi names entering now, which counts for something. Checked their website and they're heavily promoting zero-interest loans with no risk of liquidation, which tbh sounds amazing. So has anyone here actually used these? Is it really zero interest in practice? Because if it is, that's exactly what I need for the trip.

3/ Is there anything I am missing? People who've actually done this probably know from experience so if there's a "wish someone had told me this" lesson, I'm all ears.

Not in a rush, the trip is months away. Trying to do my homework before I start opening accounts.