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This walkthrough was created using Build 14 Beta 4 it may differ from other versions of the game.
There are Bankers (Loan Sharks) in several towns:-
You can borrow money from them (or leave some of your own with them).
If you do not repay a loan on time then they will send people after you to get the money or kill you.
You will have an entry in the quest book showing the outstanding loan and when you have to pay it back by ( you have normally have 3 months ).
Alternatively
If you leave money with them for safekeeping you will receive interest, and you can go back and collect it whenever you want.