You can get a loan without any collateral in some countries and under certain conditions. Banks in the countries I've lived in, across 2 continents, would all still perform checks on you before handing you any money and this process has nothing to do with whether the transaction happens in fiat, crypto or a new car.

Services exist to do what you want, but like in fiat institutions the checking process has to be performed "off-chain" in lieu of collateral. If your follow up question is "well then what's the point of crypto?", consider that getting a fiat loan at a bank with collateral still requires human checks in order to ensure that, for example, the collateral exists. In crypto, the collateral check is performed automatically and autonomously, and is therefore immediately more efficient.