If Loan and Counterfeit were on the same board, I'd open Silver/Silver and rush Counterfeit
I'd open Loan/Silver because that gives you decent chances of hitting €5, super better tempo, and Loan even has some synergy with Counterfeit.
Loan definitely shines when used in combination with another trasher, especially Masquerade. That way you can start getting super thin super fast without giving up many early game buys thanks to Loan's excellence in the early game, and the other trasher can finish the job when Loan is starting to struggle. As a lone trasher (pun intended), it's not so good because you'll probably open Loan/Loan and if you cant't skip Silver, that can get somewhat awkward pretty fast. It's still better than most give it credit for in that situation.