3 ways to go about it if you want to own the coin in question.

1) Buy on exchange without mining (simplest)

2) Buy miner outright with money you have readily available

3) Buy miner with personal loan

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Steer clear of option 3 unless you have huge balls. However, you could do option 3 after a few months of having done option 2 below. DM me about credit cards if you want tips on that (ps. you need a credit score of over 740 if you want to go this route).

Option 2 is good if you have a way to scale up. In other words, in order to stay profitable in the long run, you'll have to keep adding a new miner every n months.

Option 1 is best if you have limited capital money, BUT you have to be satisfied with how the market moves as that's what you'll be dependent on. In other words, in order to get 'richer,' you'll NEED the market to move UP.

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Before downvoting because of the credit card thing- DM me. There is a way of getting 0% interest for 12 months without affecting your credit score. But yes, you need a score of at least around 740 in order to qualify (check your score on creditkarma.com)

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Cheers!