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Answer for the clue "Informal repayment promise ", 3 letters:
iou

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Wikipedia Word definitions in Wikipedia
An IOU is an acknowledgment of debt. IOU may also refer to: In music : I.O.U. (album) , by jazz fusion guitarist Allan Holdsworth "I.O.U." (Freeez song) , by jazz-funk group Freeez "I.O.U." (Jimmy Dean song) , by country singer Jimmy Dean "I.O.U." (Lee ...