If you get the chance register 'm both (if they're still free).
The plural form tends to get more traffic, but it highly depends on how often the plural form is used in writing.
If you are searching for a loan and want to know all about a loan, you go to loan.com. If you are searching for more loans to choose from, you go to loans.com (if you are a domain keyword typer).
The people who type in loan.com are looking for other information than those who typ in loans.com. Loan.com should be more dictionary, wikipedia like. Loans.com should have listings of loans and loan comparison forms.
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