Can I create a new liability loan without adding an asset?

Thanks for posting here, @Race-MX.

Let me share info about setting up liability loans.

You don't need to create another asset, account unless you don't have a bank account set up in QuickBooks Online (QBO).

I'll also add steps on how you can set up a liability account to record what you owe. Feel free to follow the steps below:

1. From the Settings, select Chart of Accounts.
2. Choose New to create a new account.
3. Go to the Account Type ▼ dropdown, and select Long-Term Liabilities. Note: If you plan to pay off the loan by the end of the current fiscal year, select Other Current Liabilities instead.
4. From the Detail Type ▼ dropdown ▼ dropdown, select Notes Payable.
5. Provide the account with a relevant name, like "Loan for a car" or "Covid-19 relief loan."

For more info, check out this article: Record the loan for an asset in QuickBooks Online.

You might want to learn how to use a loan to close open invoices. Check out this article: Track customer loans in QuickBooks Online.

Feel free to return here if you have additional questions about managing loans. I'll be willing to lend a hand. Keep safe and have a good one.