Its not difficult to open an acct in liby; you need your a letter of employment from your company and your passport and residancy permit and thhats all. it doesnt take too long same day thing and recommned I SAHARA Bank. I dont know about loans though but I know it was hard even for libyans but its much easier for a company. Hope that helped a little.
To open a bank account you need the following 3: 1) Letter from your employer clearing stating your employment with the company/organization, and a request to the bank for you as the employee to open a bank account. 2) A copy of your Libyan visa on your passport. 3) A fee of 10LYD.
For loans you would definitely have to wait because of the current situation, some banks are still allowing a withdrawal of 1000LYD max.