Which is the most likely scenario in which someone would take out a short-term loan with a bank?

to buy a skateboard

to by a second home

to pay for credit card debt

to buy a car

The most likely scenario in which someone would take out a short-term loan with a bank is to pay for credit card debt. The short-term loan has less than one year period to be repaid and this loan is usually taken by someone if there is a temporary problem with their cash flow. This loan can also be taken by a company to fulfill their working capital for increasing its sales.