No, alessai2, I am right. Place a 0 in the listed locations to disable the loans, it says to right in the field, to disable the feature.
If you are so set on iBank (which "sux" I used to use it), then don't use vBCredits.
And don't yell. I responded to your query, and I don't deserve your attitude. It is not my fault you didn't determine if the hack would work for you, and it is not my fault you didn't determine if the hack would integrate with iBank before you installed it. You should research any program before you install it on your board. Your problems are your fault, not mine.

And, you can rest assured, with that attitude you will find it hard to get help from members who are trying to help.