I've never used Loan but I sort of fail to see the point. If you want to get rid of Coppers that badly, it's way too inefficient considering the fact that A) it's only good for getting rid of Coppers, B) you only have so much of a chance of hitting a Copper, and C) the card itself is only worth a Copper anyway.
I haven't actually played Seaside yet. I think Cutpurse should cost 3, not 4.