/ˈkrɛdətər/ – noun
Definition: chủ nợ, người cấp tín dụng, người cho vay.
A more thorough explanation: A creditor is a person or entity to whom a debt is owed by another person or entity, known as the debtor. The creditor has the legal right to demand payment of the debt owed to them by the debtor.
Example: The creditor filed a lawsuit against the debtor for non-payment of the loan.