請指教以英文推遲俾錢，拖延欠款的口語

1. Out of unexpected reasons, I need to pay you back my debt a bit later.
Many appologies!

2. Sorry, I still need more time to prepare the money, would pay you back as
soon as possible.

簡單D:-
3. Sorry, I do need a bit more time to pay for my dept.
( Sorry, I do need a bit more time to pay you the money. )

或者你可以說:

Could you give me a couple of days' grace to pay back the money I owe?

grace (更多的時間) = more time that is added to the period you are allowed for paying a debt etc 寬限

I apologise for the delay in paying your money because of a personal problem. Sorry.

Sorry, due to personal reasons and therefore need to postpone repayment, sorry