I guess that is true - if you consider credit cards loans. I don't, but I'm in the minority. I still use mine as a charge card - something that makes it easier to make purchases without having to carry a lot of cash.
To me, a loan is X amount of money which is repaid over X amount of time with X number of payments at a fixed, monthly amount. There are some variations, such as the "loan" I just took out against a CD. There is no fixed time or monthly payments, but the total amount owed and the interest being paid are fixed, and cannot be changed without redrawing the contract. The faster I pay it off, the sooner the money in the CD becomes "mine" again. It continues to earn interest, so it becomes a low rate loan.