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When a Bank Lends Money is a free printable Kindergarten to Grade 2 social studies worksheet on how a bank loan works and why it is paid back, aligned to C3 Framework indicator D2.Eco.9.K-2. It prints 8 questions with an answer key on its own sheet of paper, in 25 versions that each ask different questions, so no two students in the class work from the same page. Print it from the browser or download it as a PDF — no account, no email.

Set 12 of 25 · the same problems every time you open this link.

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Set 1 has all 25 in a single PDF. All 25 sets ask different questions.

When a Bank Lends Money

D2.Eco.9.K-2

NameDate

Circle the best answer.

1.A bakery borrows money to buy a bigger oven. How can that help?
  • A.It can bake more bread to sell and pay the loan back
  • B.It never has to pay the loan back
  • C.It can close the bakery
2.What is interest on a loan?
  • A.Money the bank gives away for free
  • B.Extra money a borrower pays for using the bank's money
  • C.A discount on a toy
3.Why do many people keep money in a bank instead of under the bed?
  • A.Money is too heavy at home
  • B.The bank doubles it every day
  • C.It is safer and can earn interest
4.What can happen if a borrower does not pay back a loan?
  • A.The borrower may owe more and lose the bank's trust
  • B.The bank says thank you
  • C.The borrower gets a prize
5.Who owns the money that people deposit in a bank?
  • A.The people who deposited it
  • B.The bank teller
  • C.The mayor
6.Where does a bank get the money it lends?
  • A.From the money it throws away
  • B.From the money people deposit there
  • C.From a money tree
7.Which is a responsible way to borrow from a bank?
  • A.Borrow as much as you can
  • B.Borrow only what you can pay back on time
  • C.Skip payments when you like
8.Is borrowing from a bank free?
  • A.Yes, if you ask politely
  • B.Yes, banks lend for free
  • C.No, the borrower pays interest

LessonPrint · D2.Eco.9.K-2 · Set 12 · free to copy for classroom use

Answer key — When a Bank Lends Money

Set 12. Prints on its own sheet.

  1. 1.It can bake more bread to sell and pay the loan back
  2. 2.Extra money a borrower pays for using the bank's money
  3. 3.It is safer and can earn interest
  4. 4.The borrower may owe more and lose the bank's trust
  5. 5.The people who deposited it
  6. 6.From the money people deposit there
  7. 7.Borrow only what you can pay back on time
  8. 8.No, the borrower pays interest

Last reviewed 2026-09-05. Aligned to D2.Eco.9.K-2 of the C3 Framework for Social Studies State Standards.