How to get a DeFi loan?

Can you elaborate on the steps required to obtain a DeFi loan? What kind of prerequisites are necessary, and what should borrowers be aware of before taking out such a loan? Are there any specific platforms or protocols that are recommended for acquiring DeFi loans, and how do they differ from traditional lending institutions? Additionally, what are the benefits and potential risks associated with DeFi loans, and how can borrowers ensure that they make informed decisions?