available to a person or company, to be used at the time they require it.
loan : is the amount of money that a person or company owes to someone else.
the main difference between both concepts is that the credit is an amount that the person or company that has the right to use it, can exercise it or request it at the time it so requires; while the loan is already a certain and fixed amount that a person or company must pay someone else under certain previously agreed conditions.
while the credit is not used, it does not generate any debt between the parties.
both the credit and the loan are 