About specific examples, the problem with Loan at $7 is not that you don't want it early if it costs $7, is that early, you don't have $7, so you would only buy it if the bonus itself (plus the $1 of Loan) is enough, but costing $7 almost completely ruins the trashing power of Loan. This kind of thing is what I say can happen to many cards. However, for RL play, it could be fun to try and maybe repeat the choice if the resulting combination is bad in some sense.
Settled Loan would be $6. But it's true, Settled Early Game Card is usually very bad, because you don't want to pay extra for VPs in the early game. At least Steward, Chapel and Swindler if it is the only curser in the game are exceptions - while they lose a lot of their power when Settled, Steward is still usable for its versatility in the mid game and Chapel and cursers are just that good.
Settled Fortune Teller would be very interesting. Probably not very good though.
Perhaps the only usage of Settled Loan I can think of, is when you won't buy a Province late game (because you either fail to hit 8 or you face PPR). You have 3 options then:
Gold: +3 coin
Duchy: +3 VP
Settled Loan: +2 VP, +1 coin, deck cycling (which is probably undesired at this stage), optional treasure trashing (which is probably marginally useful)
If you would certainly take Gold over Duchy, you won't want Settled Loan. If you would certainly want Duchy over Gold, you won't want Settled Loan either. But if Gold and Duchy are almost as good for you, Settled Loan could become a marginally better option.
That being said, being situationally marginally useful is still miserable.
With the additional clause "When you buy this, you may trash a Victory card from you hand", however, buying it at turn 3 or 4 is as good as buying a Silver in terms of average buying power, but you get the trashing ability. This would be closer to a Turn 3 or 4 Loan, which is as good as buying a Copper in terms of average buying power but also gets you the trashing ability. Perhaps it would make it a bit more desirable.