% replaces any number of letters (la% - lake, lamp)_ replaces one letter (ca_ - car, cat)
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The Crossword Solver found 47 answers for The New York Times crossword clue owing 3 letters. The answers have between 3 and 8 letters.

AnswerClue
OWEbe in debt
OWEnot be square, say
OWEbe shy
OWEfall short
OWEthe “o” of i.o.u.
OWEword repeated in “I ___, I ___, it’s off to work I go”
OWEbe indebted to
OWEhave debts
OWEwhat the middle of 58-Across stands for
OWEbe beholden to
OWEhave trouble with one’s balance?
OWEbe in a red state, perhaps
OWEneed to pay
OWEcarry a balance
OWEbe behind, in a way
OWEbe short
OWEhave bills due
OWEbe in the red
OWEhave to pay
RAFsubj. of Churchill’s “Never … was so much owed by so many to so few”
TABamount owed
TABamount owed at a bar
DUEowed
SHYowing
OWEDlike some stakes
OWEDhad to pay
OWESis in the hole
OWESis short
OWEShas a student loan, say
OWEStakes credit, in a way
OWEDhad bills to pay
OWEShas balance issues
OWEShas an open tab, say
OWEDlike debts
OWINGnot square, in a way
OWESis behind financially
OWINGthanks (to)
OWESis indebted to
OWINGin debt
OWEDhad to pay back
OWEDoverdue
OWEDwas behind
OWEDwas in the red
OWESsees red?
OWINGin the red
HOTSAUCEit owes its kick to capsaicin
ARREARSmoney owed

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