Your keyword.. you would prefer not taking out a loan.
The bottom line comes down to two things... is this an emotional buy or a business tool?
There are plenty of top shooters doing fashion on DSLRs. Melissa Rodwell is one who often shoots both Nikon and Hasselblads. Can't tell which is which if you go through her portfolio.
http://melissarodwell.com/I'm sure her clients don't care what she bring as long as it gets the job they need done and suits their uses.
Emotional buys are gear we really really just "want" to use because we like it, because it feels good, or just because of some reason. Leica falls into this category for A LOT of people. See how many people shoehorn rangefinders into jobs that would really be best served with something else. I did it for a long time. Many of us have. But it felt good!
Business tools pay the bills. They get the job done right, suit the day to day need, and get the bills paid. I have a ridiculous panoramic setup because my clients pay for it. They don't buy stitching errors. Would I have that setup if they weren't paying for it... probably not. Same with my medium format setup. I love MF gear...but its cumbersome. Would I be shooting with medium format for fun...NOPE. I don't care what it costs...as long as every month enough work comes through that the payment is an after thought. There are great leases you can get into through Capture Integration or digital transitions. It's surprisingly affordable.
If you aren't making a steady income, or the tool won't necessarily pay for itself... I would be very hesitant to move forward on it. That's just me. Here is a general rule I like to use...but if your purchase can't be paid for within 5 shoots, it's too expensive for you. Not saying you WILL pay it off...but you should be grossing a certain amount if it is a business tool. Business is business.
If its emotional, everything flies out the window. MF won't make your portfolio any better...but it does offer features DSLRs don't have. Just remember, you will still need a backup, and a DSLR is only a decent backup. Shooting at ISO 50, F16, 1/800 with strobes only to have a MF camera fail means you will have to change completely for your DSLR to fit into that workflow. That can be a session nightmare. Running MF often means you fly without a true backup...