Being a loan is said to be greater than charity, can maaser be given to service a loan in place of charity, if someone requires this?
(Logic dictates the money should be given to charity, when repaid, being from maaser.)
Thank you for your question.
What you are writing is correct. A person may use money from maaser to lend to a person who needs it, and then afterwards that money will go to tzedakah. As a side point the Chofetz Chaim (Ahavas Chesed beginning of chap. 18) says that a person should separate a third of his maaser money to be used to give people in need free loans, (gemach) until he sees that there is enough money in the gemach, and then 100% should go to tzedakah.