May God bless you my dear neighbour.. afterall he'll judge not you
Uh oh! I can already guess that your god will tell you not to repay the loan when it is due, and he will graciously tell you not to stress over it either.
Keep guessing but don't let your mind explode while guessing. Unfortunately that's what your wrong conscience is telling you that I can never be led by Jesus. And if you only depend on guessing you'll surely fall into a ditch and never come out of it because you'll always guess good or bad outcome therefore your good or bad outcome can never produce an unlimited effect because you are exactly a man of good & evil.