IBA , Maria speaking . How can I help ?   Hello , I called earlier regarding interest rates on loans . Sorry , I just have a couple more questions .   I'm here to help . Tell me your questions and I'll do my best to answer them .   What if I require a loan for a short period of time ?   What repayment period were you thinking of ?   Say , 6 months ? Or less in fact . I want to repay the loan ASAP ; I don't like debt hanging over my head .   A wise decision . If you decide to take out a short-term loan with us , say for 6 months or less , the interest rate shall be for that of a 6 - month loan . 