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返さなきゃ

have to return, must give back

→ 返す
返さ return, give back + なきゃ Must / have to (colloquial)
verb · necessitative Rare #41,776
have to return, must give back Casual contraction of 返さなければならない.
JA: 明日までにこの本を返さなきゃ。
EN: I have to return this book by tomorrow.
Conjugation of 返す
Necessitative
返さなきゃ

借金は返さなきゃダメだよ。

You have to pay back your debts.

帰る車を返さなきゃならない

I have to return the car before I go home.

— エリート・スクワッド (2007)

借りたものは返さなきゃ。

You have to return what you borrowed.

借りたお金は返さなきゃいけないでしょ。

You have to pay back the money you borrowed, right?