As my experience has shown, you can only have 10 "open" loans at a time. They don't drop off immediately after you pay them off (I had 10 fully paid loans showing on my banking screen, for weeks it seemed, effectively blocking me from any more loans).
Your scenario MIGHT work, but I think the 13 days thing vs. the actual removal of old/paid loans MIGHT get you into trouble. Even by a day or two.
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