loans

USAGE SUMMARY

The phrase "loans" is correct and usable in written English.
It can be used when referring to borrowed money that is expected to be paid back with interest, often in financial or economic contexts. Example: "The bank offers various types of loans to help individuals purchase homes or start businesses."

✓ Grammatically correct

News & Media

Formal & Business

Human-verified examples from authoritative sources

Exact Expressions

60 human-written examples

Instead, they typically pay lower interest rates on deposits than smaller banks do, and charge higher interest rates on loans.

The Economist

Achie said he always believed the 2011 payments to be loans to Di Girolamo that were to be repaid with 10 per cent interest.

The Guardian

It partners with Kenyan businesses, with employees then able to use M-Pepea to get immediate loans of up to 20% of their monthly salary.

The Guardian

The police expanded their investigation to cover the Tories after it emerged that they had taken secret loans worth £16m.

The Guardian

The second allegation concerns the nature of the loans.

The Guardian

Facebook Twitter Google plus Share Share this post Facebook Twitter Google plus close 2.47pm AEST05:47 Industry minister Ian Macfarlane is asked to inform the house how the Government's trade support loans and plans for skills and training are providing opportunities for future students?

The Guardian

Also, they couldn't live on the loans – and the loans, at some point, in theory, have to be paid back.

The Guardian

When Brooke was first born, Lewis couldn't claim benefits because they considered him a dependant on his girlfriend's student loans; but she couldn't go to college because she was busy having a baby.

The Guardian

We have a mandate for a sustainable solution within the eurozone Yannis Dragasakis Athens is in a race against the clock to unlock €7.2bn (£5.3bn) in rescue loans the EU and IMF have refused to disburse until the government delivers a convincing package of reforms.

The Guardian

Any financial liabilities held, such as outstanding balances on credit cards and student loans, are then subtracted to provide a net measure of wealth Private pension wealth: this includes occupational and personal pensions as well as retained rights in private pensions and pensions in payment.

The Guardian

It also forced graduates to pay back student loans sooner but extended fee help to non-university courses such as diplomas and associate degrees.

The Guardian

Expert writing Tips

Best practice

When discussing "loans", specify the type (e.g., student loans, mortgage loans) to provide clarity and avoid ambiguity.

Common error

Avoid assuming all "loans" have the same interest rates or repayment schedules. Always check specific terms.

Linguistic Context

The word "loans" primarily functions as a noun, specifically the plural form of "loan". It refers to sums of money that are borrowed and expected to be paid back, usually with interest. Ludwig AI confirms that "loans" is correct and usable in written English.

Expression frequency: Very common

Frequent in

News & Media

45%

Formal & Business

30%

Science

10%

Less common in

Encyclopedias

5%

Wiki

5%

Reference

5%

Ludwig's WRAP-UP

The term "loans", the plural form of "loan", denotes borrowed sums of money subject to repayment, usually with interest. Ludwig AI confirms its grammatical correctness and usability across various contexts. Predominantly, it appears in news and formal business settings, serving to convey information about financial transactions. While neutral in register, the specific type of loan should be specified for clarity. Alternatives like "borrowed capital" or "financing" exist, offering similar but nuanced meanings. It's crucial to understand that not all "loans" share identical terms. Usage is very common, with major publications like The Guardian frequently employing the term.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

financing

A broader term encompassing various methods of funding, including loans.

credit facilities

Focuses on the availability of credit rather than the act of borrowing itself.

credit arrangements

Highlights the agreed-upon terms for borrowing money.

lines of credit

Highlights the ongoing availability of funds rather than a single loan.

borrowed capital

Emphasizes the capital aspect of the money acquired through borrowing.

advances

Suggests an early disbursement of funds, often against future earnings.

financial aid

Specifically refers to assistance, often for education or other needs.

promissory notes

Emphasizes the written promise to repay a debt.

mortgages

Specifically refers to loans secured by real estate.

debentures

Implies a formal debt instrument, often unsecured.

FAQs

How are "loans" typically used in a sentence?

Typically, "loans" function as the subject or object in sentences concerning financial transactions. For example, "The bank offers various types of loans" or "They applied for several loans to start their business".

What are some alternatives to the word "loans"?

You can use alternatives like "borrowed capital", "credit facilities", or "financing", depending on the specific context.

What is the difference between "loans" and "mortgages"?

"Loans" is a general term for borrowed money, whereas "mortgages" specifically refer to loans secured by real estate.

When should I use "loans" versus "financing"?

"Loans" refers to a specific type of debt, while "financing" is a broader term that includes various methods of funding, such as equity, debt, and grants.