拆兑

wǒ gēn nín chāi duì diǎn qián yǐ yìng jí xū

我跟您拆兑点钱，以应急需。

I need to borrow a little money from you urgently.

chāi duì qián lái yìng jí

拆兑钱来应急

borrow money for urgent use