are we aloud to request loans?

no.

requesting loans go in the category of begging
18.No begging or requesting donations for any real or virtual goods, including, but not limited to, forum gold or money.
http://forums.d2jsp.org/info.php?p=9

This post was edited by ShadowFiend on Aug 1 2011 10:29am

As already stated by DoomOnYou

Loans are not supprted by d2jsp & are @ ur own risk

However asking/requesting/begging for loans is not allowed & may result in punishment (10% warn/suspension, etc.) being take on ur account