We are not allowed borrow money with interest
From Muslim bank in Islamic countries or non Islamic countries it is not allowed
From non Muslim bank in non Muslim countries it is only allowed when there is not any other option other than this but as per the ruling of Aagha e Seestani
Taking an interest based loan is not permissible except for when it is very urgent; it is necessary that he should do so with the intention that it is a transaction without return, even if he knows that he will end up paying the capital as well as the interest. And he should not do so with the intention of getting the loan with the condition of paying interest.