“借款合同”常见的英文表达是 loan contract 或 loan agreement。
loan contract 侧重于从法律契约角度，强调合同作为法律文件的正式性和约束性。例如：The loan contract clearly stipulates the repayment terms.（借款合同明确规定了还款条款。）
loan agreement 更强调双方就借款事宜达成的共识和约定，使用场景较为广泛。例如：Both parties signed the loan agreement after negotiation.（双方经过协商后签订了借款协议。 ）