Sorry, no online dictionaries contain the exact phrase the need to repay.
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Reverse dictionary results:
1. owe
 2. answer
3. answering
4. call
5. get
6. obligation
7. quit
8. satisfy
9. loan
10. acquit
 11. avenge
12. compensate
13. cope
14. promissory note
15. refund
16. restored
17. retaliate
18. return
19. returning
20. returns
 21. revenge
22. scrounge
23. deserve
24. meed
25. owed
26. pay back
27. payment
28. quittance
29. repeat
30. repeated
 31. reward
32. yield
33. bum
34. debt
35. punish
36. punished
37. punishing
38. worthwhileness
39. acceptable
40. accommodation

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