yep as above when you use tokens for bank loans ? it`s yours , it should be bank draft.

also as above said try and look for free transfers this has helped me in past if i want a bank loan/draft it will cost me 25 tokens for 20 mil where as so far this this season i have got two players on free transfer the first i got for two tokens and made me 6,3 mil and just got an 18 yr on free for 1 token and will sell on first day of season and his value is 5.8 million so 2 player for 3 token will make me 12 million