How can take loan in totok

This feature enables users in the UAE to send money to their contacts from their ToTok chat, as well as to make payments through a QR-code contactless system. 

ToTok Pay uses global tokenisation technology to encrypt and store users’ financial information, while an AI-based fraud management system has been developed to detect unauthorised activity.

To activate ToTok Pay, Android smartphone users should update to the latest version of ToTok.
so ToTok do not give Loans its provides money transfer services