There is no difference.

They are all temporary uses of other people’s property.

She Qian means: someone else has already provided services to you, but you don’t give them money for the time being. You owe them money first, and you will pay them at a later time.

The loan means: to determine the time of return, to temporarily use the bank's money, and you need to pay interest.

Generally, the temporary use of money from individuals or companies or organizations is called borrowing.

To determine the repayment time, temporarily use bank money (interest must be paid), and talk more about loans.