UK visa refused

There is an excellent answer about Funds Parking, Lifestyle, and Credibility here, including how bank statements affect the decision process UK visa refusal on V 4.2 a + c (and sometimes 'e') As others have commented, a sudden bank loan shortly before submitting a visa application will be viewed with suspicion, especially if your financial circumstances don’t readily demonstrate that you can afford the trip without recourse to the loan. If you reapply to the U.K., or indeed any of your intended destination(s), on the basis you describe, you are risking a tail-spin of refusals.

First, make sure you are applying for the correct visa. If you are only transiting through the UK, you need to apply for the transit visa and not the full fledged visitor visa.

Transit visa requirements are lot simpler than visit visa requirements.

It might also be simpler to just transit through a Schengen member state. As you already have a visa for your destination country, there are no further visa requirements for you.

If you have obtained a loan, you need to submit loan papers, and if you have bought a vehicle with that loan, you should submit a bill of sale along with that. Otherwise your application will most likely be rejected for funds parking - which is when people artificially inflate their bank accounts (by borrowing and depositing funds) in order to show a better financial position than they really have, in hopes of securing a visa.

In fact, any large deposits of funds should be accompanied by an explanatory note. For example if you just received your annual bonus or a commission from a large sale, you should explain that. If you have irregular income (freelancer, salesman working on commission, etc.) you should also explain that.