This is an unfixed bug from FM23 at the latest.
There is validation when you exit the Finances tab when using the In-Game editor for a club. However, if the club has a "Gift Repayable On Departure" loan, or any other load with zero monthly repayment, the loan gets removed when exiting the Finances screen.
This is particularly annoying as these are already pre-built in to the existing database, and there are no problems there, so clearly the validation in the In-Game Editor is too strict. It makes no sense to have a Monthly Repayment on a gift loan. Once the loan is lost, you cannot get it back or set it back to the original terms, that's if you know the amount the loan was for.
Steps to reproduce: Start a new game --> Go to any club with a gift loan (Everton/Fulham) --> Open In-Game Editor --> Go to Finances Tab --> Close In-Game Editor --> Confirm that loan has been removed.
Please fix.
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