次贷

次 = 冫 + 欠 : Mnemonic symbol: the cube, as in words involving 三次 relate to "cubic equations" or "cube (third power)". The King of Chu (c) pulls a popsicle (冫) out of the cube (次) in the space station's bathroom (Ø4) and leaves an IOU note (欠) on the cube.

贷 = 代 + 贝 : Don Quixote (d) asks the crab (贝) for a loan (贷) in the airplane's bathroom (ai4) so that he can continue his adventures, but the crab can only offer him a few tokens (代) for the washing machine.