IPA: /ˌʌn.rɪˈpeɪd/
KK: /ʌnˈriːpeɪd/
Describing a debt or loan that has not been paid back yet.
He still has an unrepaid loan from last year.
Unrepaid → It is formed from "un-" (meaning not) and "repaid" (from the root "re-" meaning again and "pāre" meaning to pay). The word "unrepaid" means not having been paid back or compensated again.
Think of 'not' ('un-') having been 'paid back' ('repaid') — that's why unrepaid means something that hasn't been compensated.