---
title: "BIP39 Word #1049: loan — Seed Phrase Mnemonic Word"
url: "https://bip39-phrase.com/bip39-word/loan/"
language: "en"
updated: "2026-10-19T00:00:00+00:00"
---

Word #1049 10000011000 

# loan — BIP39 word #1049

"**loan**" is word #1049 of the 2048 words in the official BIP39 English wordlist, between [load](/bip39-word/load/) and [lobster](/bip39-word/lobster/). In a seed phrase it stands for the 11-bit value `10000011000`, decimal index 1048\. 

/ləʊn/  · _noun:_ money borrowed that must be paid back, usually with interest 

[Russian](/ru/ "The BIP39 wordlist with Russian translations"): ссуда 

## Binary Representation

Three 1-bits and eight 0-bits; 165 of the 2048 indexes have exactly three 1-bits.

One wrong bit turns it into (leftmost bit first):

[adapt](/bip39-word/adapt/)[seek](/bip39-word/seek/)[perfect](/bip39-word/perfect/)[narrow](/bip39-word/narrow/)[mention](/bip39-word/mention/)[mandate](/bip39-word/mandate/)[library](/bip39-word/library/)[link](/bip39-word/link/)[logic](/bip39-word/logic/)[local](/bip39-word/local/)[lobster](/bip39-word/lobster/) 

Position

Hex Index

0x418

4-Letter Prefix

loan

## About "loan" in BIP39

- It takes all four letters to identify "loan": **"loa"** also begins [load](/bip39-word/load/).
- "loan" appears in one of the 24 official English [test vectors](https://github.com/trezor/python-mnemonic/blob/master/vectors.json) of BIP39: vector #15 (word 19 of 24). Every official vector passes the [checksum checker](/bip39-checksum-checker/), and [How BIP39 works](/how-bip39-works/) shows how the entropy turns into such words.

Official test vector #15

[hamster](/bip39-word/hamster/) [diagram](/bip39-word/diagram/) [private](/bip39-word/private/) [dutch](/bip39-word/dutch/) [cause](/bip39-word/cause/) [delay](/bip39-word/delay/) [private](/bip39-word/private/) [meat](/bip39-word/meat/) [slide](/bip39-word/slide/) [toddler](/bip39-word/toddler/) [razor](/bip39-word/razor/) [book](/bip39-word/book/) [happy](/bip39-word/happy/) [fancy](/bip39-word/fancy/) [gospel](/bip39-word/gospel/) [tennis](/bip39-word/tennis/) [maple](/bip39-word/maple/) [dilemma](/bip39-word/dilemma/) loan [word](/bip39-word/word/) [shrug](/bip39-word/shrug/) [inflict](/bip39-word/inflict/) [delay](/bip39-word/delay/) [length](/bip39-word/length/) 

## Word #1049 in the Other 9 BIP39 Wordlists

[Czech](/czech/) odhadce 

[French](/french/) insigne 

[Italian](/italian/) montato 

[Japanese](/japanese/) そんちょう 

[Korean](/korean/) 아직 

[Portuguese](/portuguese/) inibido 

[Spanish](/spanish/) loco 

[Traditional Chinese](/chinese-traditional/) 荷 

[Simplified Chinese](/chinese-simplified/) 荷 

## Similar Words — Check Carefully During Recovery

 One BIP39 word differs from "loan" by just a single letter — the most common source of typos when a seed phrase is entered by hand: 

[load](/bip39-word/load/) 

Read aloud, "loan" /ləʊn/ is one sound away from these 8 words: 

[alone /əˈləʊn/](/bip39-word/alone/)[bone /bəʊn/](/bip39-word/bone/)[lawn /lɔːn/](/bip39-word/lawn/)[learn /lɜːn/](/bip39-word/learn/)[own /əʊn/](/bip39-word/own/)[phone /fəʊn/](/bip39-word/phone/)[tone /təʊn/](/bip39-word/tone/)[zone /zəʊn/](/bip39-word/zone/) 

Words sharing the first three letters "loa":

[load](/bip39-word/load/) 

## More BIP39 Words Starting with "L"

[ #1045 little ](/bip39-word/little/)[ #1046 live ](/bip39-word/live/)[ #1047 lizard ](/bip39-word/lizard/)[ #1048 load ](/bip39-word/load/)[ #1050 lobster ](/bip39-word/lobster/)[ #1051 local ](/bip39-word/local/)[ #1052 lock ](/bip39-word/lock/)[ #1053 logic ](/bip39-word/logic/) 

[View all words starting with "L" ](/bip39-words/l/) 

## Seed phrase, key and recovery guides

- [How to Store a Seed Phrase: Paper, Steel and Safe Locations](/store-a-seed-phrase/)
- [How to Restore a Wallet From a Seed Phrase: Step by Step](/restore-wallet-from-seed-phrase/)
- [xpub, ypub and zpub: Extended Public Keys Explained](/xpub-ypub-zpub/)

[ Full BIP39 Wordlist ](/)