According to the Bill of Exchange Act there are following species of money : Bond, Stocks, Promissory Notes and actual money. ( which represent electrons in baksters computers )
Let assume you are looking for the car loan.
At a bank you'll be given application form to sign. The form has, lets say 40k written on it.

Bank officer will take the application and lodge it in asset ledger, because your signature made it a promissory note.
After deliberation of your "credit worthiness" if approved, the officer will issue you 40k loan.
What has just happened?
You received the credit of you creation as the loan with interest attached, so you will be repaying the credit you gave to the bank.
Nifty trick, isn't it?