“破貸”可以翻譯為 **“l(fā)oan scam”** 或 **“fraudulent loan”**。
具體語境下，也可根據(jù)含義靈活處理：

1. **“破貸”指詐騙性貸款** → **loan scam / fraudulent loan**
*例：小心那些聲稱“零門檻”的破貸。*
→ Be wary of loan scams that claim "no requirements."

2. **“破貸”指不良/爛尾貸款** → **bad loan / non-performing loan**
*例：銀行正在清理破貸。*
→ The bank is cleaning up bad loans.

3. **網(wǎng)絡(luò)用語中，形容貸款條件極差** → **predatory loan / shady loan**
*例：這根本就是個(gè)破貸，利息高得離譜！*
→ This is basically a predatory loan with outrageous interest!

需要更精確的翻譯，可以提供具體句子或語境哦！