Please don't
Do we professionals and the industry a favor and do not pay for your job! It's just wrong! Work your way up like most of us did.
If you want to fly an ATR, apply to Mountain air Cargo or Empire in the USA. For that matter any regional in the U.S., they are all hiring, as well as in Canada. Most are offering bonuses, benefits and some, ok pay.
If, whomever you are talking about, probably Stobarts or Wings Air, asks you to pay, wait and see how they treat you! You will be constantly under threat as they know what you are willing to do and the fact that you need to repay the loan.
Btw, there is no such thing as a reasonable type rating on such aircraft except maybe the 737. It will run 10,000$ USD plus.
There is also MAS Wings and Firefly in Malaysia, always looking. Also try InterCaribbean in Turks and Caicos. Tons of twin otter and BE-99 and BE-1900 jobs to start as an FO without paying.
Best of luck and don't let us down.