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块。

向爸妈借钱：
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?
爸妈，我好想买新的苹果手机，但是我囊中羞涩只有不到1000块，我还差200块，我可以和你们借吗，我保证会还。

I'll pay you back.
我会还的。
I'll pay you back with interest.
我连本带利还你。
Sure I'll lend you the money… When can I expect to be paid back?
好的我借你，你大概什么时候还呢？
Never lend to a friend with the expectation of getting it back.
永远不要抱着一颗对方会还的心借钱给朋友。
Friends are forever. Until you let them borrow money from you.
友谊天长地久，直到有一天你借钱给朋友。
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，我还没有发工资。要是借给你，我自己就要没钱了。
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.
我从来不借给任何人钱的，这个是我的原则。不好意思。

loan 贷款
They will ask you about 银行会需要知道
what the loan is for 贷款原因
credit score 信用分
annual income 年收入
profession 职业
How much is the interest rate?
请问(借款)利率是多少？