I'm a little shy. = I'm a little short. = I'm low on cash.
I'm a little shy of 1000 bucks. = I'm just short of 1000 bucks.
我只有不到1000塊。

向爸媽借錢：
Hi Mom and Dad, I really want to buy the new iPhone but I'm just shy of a 1000 dollars… I just need 200 more dollars. Can I please borrow it from you and I'll pay you back?
爸媽，我好想買新的蘋果手機(jī)，但是我囊中羞澀只有不到1000塊，我還差200塊，我可以和你們借嗎，我保證會(huì)還。

I'll pay you back.
我會(huì)還的。
I'll pay you back with interest.
我連本帶利還你。
Sure I'll lend you the money… When can I expect to be paid back?
好的我借你，你大概什么時(shí)候還呢？
Never lend to a friend with the expectation of getting it back.
永遠(yuǎn)不要抱著一顆對(duì)方會(huì)還的心借錢給朋友。
Friends are forever. Until you let them borrow money from you.
友誼天長(zhǎng)地久，直到有一天你借錢給朋友。
I'm really sorry. I haven't gotten my paycheck from my work yet. I can't really lend it to you. Otherwise I'll be short myself.
不好意思啊，我還沒(méi)有發(fā)工資。要是借給你，我自己就要沒(méi)錢了。
You know, I really just don't have that principle. I have to stick to my moral grounds and I actually don't lend money to anyone.
我從來(lái)不借給任何人錢的，這個(gè)是我的原則。不好意思。

loan 貸款
They will ask you about 銀行會(huì)需要知道
what the loan is for 貸款原因
credit score 信用分
annual income 年收入
profession 職業(yè)
How much is the interest rate?
請(qǐng)問(wèn)(借款)利率是多少？