A couple of thoughts on this.
The advantage of paying for your type rating is that you can leave whenever you want, unlike your colleagues stuck with a three-year bond that they can't get out of at all. This means that you can take advantage of a rapidly-changing employment market.
The chances are very high that, if you do move on, the subsequent rise in salary will more than pay for the loan you took out to pay for the type rating.
I have seen this happen many times; folk take out loan to buy turboprop type rating, six months later they get hired by a bigger operator and still show a massive increase in take-home pay, despite the training loan.
One thing is for sure, there is NOTHING as frustrating as seeing the job market take off, just after you signed a three-year bond to fly a turboprop... watching all your friends flying big jets while you still have two years to go on your bond... the loss of potential earnings alone is horrendous.