ESPP Consideration - The plan gives us 1 share for every 3 bought that is vested in 18 months

In addition to the title, the company will extend a loan to us to purchase the stock with an interest somewhere between 1-6% to be paid back in a year through payroll deductions. Is this an automatic 25% ROI? YTD grown of stock on canadian exchange is 65%. Would you do this? Seems like I should, but nervous of a decline in the market at these levels.

Does the free share negate any dip? Thoughts?