Well, depends on which school of people you are from...
Some like the 'natural' substrate, ie black or grayish brownish, others like the green/blue/red type...Personally I go for natural, more eye pleasing imo...
I've seen all types of substrate, the bottom line is however that you shouldn't really get one that brings the fish color out...You should get a substrate that is most similar to your fishes natural environment...So for loaches I'd get sand or very fine smooth pebbles. You can research either on this website or any other website the environment your fish are from
I'm sure some people will disagree
