No, Standard Chartered Bank credit loan is not an online loan. Peer-to-peer lending refers to the lending behavior completed through the Internet platform, and usually the third-party platform matches the borrowers and lenders. The credit loan of Standard Chartered Bank is a loan product provided by the bank itself. Borrowers need to apply for loans through bank channels, and there is a certain review process and risk assessment. Therefore, Standard Chartered Bank credit loan and online loan are two completely different ways of lending.