loan和credit作“贷款”讲有什么区别？

loan:(意指申请一笔贷款)
n. 贷款,借出,债权人
v. 借,供应货款,借给

How much interest do they charge on loans?
他们贷款收多少利息？
A loan of money would help me out of my predicament.
只需一笔贷款就能帮我摆脱困境。

credit:(意指批准或得到一笔贷款)
n. 信用,荣誉,贷款,学分
v. 归功于,赞颂,信任

The bank refused further credits to the company.
银行拒绝再贷款给这家公司。
His credit is good for only
￡50. 他的信用仅限于50镑。

loan是银行借出去的钱，credit是信用卡上的。