This is the 7671st most frequent Russian word.
займ
Loan.
Here, 'займ' is used to refer to a monetary loan from an institution for financial purposes.
Я взял займ в банке для покупки автомобиля.
I took a loan from the bank to buy a car.
In this context, 'займ' is used generically to discuss loans as a financial concept.
Некоторые люди предпочитают не брать займы, чтобы избежать долгов.
Some people prefer not to take loans to avoid debts.
Here, 'займ' refers to loans in a broader economic and societal context.