No.A major point of DeFi is that it is permissionless. Half of the population doesn't have access to banks and loans.
Almost everyone has access to banks, and creditworthy people have access to loans.
If you can't get a bank account, you're likley not going to be able to get access to crypto.
If your current credit history is so bad that nobody will lend you money, I can't imagine the cryptspace is going to be all eager to lend you money either.