The halachos of repaying a loan are different prior to a loan becoming due, and once it has become due. • Once a loan has become due, the lender may demand payment from the borrower regardless of where the two of them meet—even if the loan was granted in the city and they meet in the desert—provided that the borrower has enough money to get home. The lender may refuse to accept payment if the borrower wishes to repay the loan by other means such as real estate, stocks, etc., and has the right to insist that the borrower repay the loan with the type of currency in which it was granted. • The lender may not refuse to accept payment if the borrower wishes to repay the loan prior to the due date. • If the loan was granted in bills, and the borrower wishes to pay back in coins—if it is before the due date—it may be paid back either way; however, once the loan has become due, it must be repaid in the same form as it was received.