If you have little hope to earn 1000 credits on your own, how do you expect someone to give you a loan and you be able to pay them back.

Making 1000 credits in like a full Lusty year vs. making 1000 credits in a RL Month are two different things.

I can make 1000 credits after a long drawn out period of time of work and dedication. Not to mention I may end up buying a 400 credit package deal.

Any time I loan out credits, I expect to be repaid within one RL month. Loans are typically given to those that are expecting credits soon and just want the benefits earlier, such as someone buying credits with their tax return or earning them from guiding.