Rather the difference between them is regarding whether the loan is in the possession of the owners for retraction - אלא מלוה ברשות בעלים לחזרה איכא בינייהו
Summary:
The ruling of רב (that המקדש במלוה אינה מקודשת) is where (at least some of) the loan was spent; while the ruling of רשב"א (that she is מקודשת) is when she did not spend any of the money (even if some of the money went missing [נגנבו או שאבדו]).
Rather, this which Rav Hunoh said; one who borrows an ax from his friend; if he chopped with it, he acquired it - אלא הא דאמר רב הונא השואל קורדום מחבירו ביקע בו קנאו
Summary:
חיוב אונסין begins משעת משיכה, it is regarding חזרה that רב הונא maintains that he cannot be חוזר (only) after the borrowed item was used.