Eric Bellinger's song "Get a Loan" is essentially about a desire for a temporary escape from a current relationship. The narrator expresses a strong attraction towards someone who is not their partner, referring to them as "she be my new address." They have a longing to experience a moment of passion with this person, wanting to pause time and call a timeout to make it happen. The lyrics use metaphors to convey these desires. Phrases such as "I wish I could press pause right now" and "I wish I could just call time out" emphasize the narrator's longing for a temporary break from reality. They want to live in the moment and make the most out of it, not wanting it to end. The line "Ain't gon' lie when you came up out of that dress, had me thinking like, she be my new address" expresses the narrator's strong physical attraction towards this person. They acknowledge that they have a partner but still feel a temptation to be with this other person. This desire is further emphasized with the line "I got a girl but I'm moving in tonight," suggesting that the narrator is willing to cross boundaries for the sake of this temporary escape. The chorus repeats the line "Can I get a loan? So I can call your body home" which metaphorically asks for a temporary emotional and physical connection with this person. The narrator wants to make themselves feel at home in their presence, essentially borrowing them for a moment. They go on to say, "Once we get alone, I'ma make myself at home," indicating their intentions to fully immerse themselves in this experience. The second verse continues the metaphorical language, urging the person to let the narrator be their guest for the night, essentially asking for permission to indulge in this temporary affair. Overall, "Get a Loan" portrays a person caught between desire and responsibility. Despite being in a committed relationship, they express a strong longing for a temporary escape with someone else. The song explores the tension between commitment and fleeting desires, emphasizing the temporary nature of the desired encounter.
