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Cute Russian comic. The home of the official English version is here if anyone wants to skip ahead (or support them): https://boosty.to/gabiconomics-en

A loan - and, by its extension, credit - is being provided a certain amount of capital aimed at purchasing a specific good or service. While those two terms differ in details, their essence can be boiled down to getting a sum of money with a promise to repay it plus interest at a later date, as stated by the contract.