A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time. Typically, the money is paid back in regular installments, or partial repayments; in an annuity, each installment is the same amount.

The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.

Noun

loan (plural loans)

1. (banking, finance) A sum of money or other valuables or consideration that an individual, group or other legal entity borrows from another individual, group or legal entity (the latter often being a financial institution) with the condition that it be returned or repaid at a later date (sometimes with interest).

   He got a five grand loan.

2. The contract and array of legal or ethical obligations surrounding a loan.

   He made a payment on his loan.

3. The permission to borrow any item.

   Thank you for the loan of your lawn mower.

Derived terms Terms derived from loan (noun)

• bridge loan
• caveat loan

• loan shark
• low-doc loan

• swing loan

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• Auto Loans (38)
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See also:

• Business: Financial Services: Commercial Lending (84)
• Business: Financial Services: Mortgages (933)
• Home: Personal Finance: Money Management: Loans (49)

• HELPcard
  helpcard.com
  Provides a financing option for the private-pay portion of healthcare expenses.
• WorldBusiness Capital, Inc.
  worldbusinesscapital.com
  Issues loans to U.S. companies doing business in global emerging markets. Includes country coverage and client news.
• E-Loan
  eloan.com
  Marketplace for mortgages, auto financing, credit cards and business financing.