1. The loan scope includes mortgage loans and unsecured loans.

2. Credit only includes unsecured loans.

Second, the risks are different.

1. Credit is unsecured, so the lending institution bears greater risks.

2. Loans need assets as collateral before they can be released. In this case, the risk borne by the lending institution is much smaller.

Third, the idea is different.

1. Personal loan is a kind of credit. Generally speaking, credit can be divided into personal loans and corporate loans. Personal loans can be divided into mortgage loans, car loans, consumption and other types. In Baidu, loans with money can also be called personal loans, and corporate loans can be divided into institutions and companies.

2. Credit is a monetary lending behavior between different owners that reflects a certain economic relationship. Credit in a broad sense refers to the general term of deposits, loans and settlement of financial institutions. Credit in a narrow sense generally refers to loans from banks or credit cooperatives. Credit does not refer to credit loans.

Baidu encyclopedia-personal loan

Baidu encyclopedia-credit