you don’t have that option because you are not the one who is selected by Fiverr. This option is not available for everyone. Max amout is 5k$. In fact , i saw that Fiverr give each seller a different amout, based on average income they earned on Fiverr monthly, usually double your income. For exp. if your average income monthly is 1k$, then max amount Fiverr lend you will be 2k$. Interest = 13,6%.