Steffan if you want to know why then it might be interesting for you to read the book "Break through Banking", which explains the core principles on which bunq has been founded. One of these is to not make money with your money, which is what happens with loans. bunq set up its business to focus only on the core services of banking, and not all the side products like insurances, loans, etc. That way they try to offer the best banking experience, and for the other services there are many competitors that offer solely insurances, loans, etc. bunq prefers to offer only the banking stuff for now, and let you choose by yourself for a partner for the other products you may need. 🙂 Furthermore, the current setup should safeguard bunq from financial crisises as we've seen in the past. 🙂
Link to the book publisher: https://www.uitgeverijkompas.nl/bunq-break-through-banking-book/
(if you ask nicely at Support 💬 they may still have a few copies left, they used to send these occasionally to bunq customers) 🙂