Credit loans can be transferred. When the loan funds are approved to the bank card, the user can directly use the bank card to complete the transfer. Because the use of credit loans is not as strict as that of consumer loans, users are allowed to transfer money and lending institutions are also allowed. Of course, if the lending institution stipulates that loan funds cannot be transferred, then users cannot transfer funds with loan funds.

The bank card used to apply for a loan may have a certain balance before, and this balance can be transferred regardless of whether the loan application is successful or not.