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Money and Finance > Borrowing or Lending Money > Lending Money to a Friend
 Posted by caffeinated1
Dec 08, 2006 04:39 AM
Lending Money to a Friend
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All of us at some point or another have lent money to a friend. In grade school, it might not have been such a big deal. Now you're grown up and the money we're talking about is a little more than milk money. If a friend asks you for a loan and you don't have that kind of money, the answer is easy. But did you ever lend a few bucks to a friend who forgot to hit the ATM that day? And it is conveniently (for him) forgotten? So as a friend, what are the pros and cons of lending money to a friend?
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Risk your friendship
If it's a large amount of money and they can't or won't pay you back, you risk losing a good friend over money
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Your friend is more likely to pay you back
After all, this is your friend and they are trustworthy, right?
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Risk losing your money
There's always the risk of losing money when you lend it. It's twice as bad when your friendship suffers as well when they don't pay you back. Whatever reason got them to the point of asking friends for a loan probably still exists and asking friends for a loan might have been the last option. After all, there are other ways to get a loan if you are credit worthy, right?
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Your loan will save the day
They wouldn't be asking you as a friend unless they were in dire straits. If you were in their shoes, you would ask your friends as a last resort and would be grateful if they lent you the money, right?
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Only if you dont' expect it back
You're a good friend if you lend it without expect it back. So if it's more than lunch money, think twice about it.
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Win-win
Your friend will pay more interest and you won't make as much interest if dealing with a bank. By lending the money to a friend, the friend gets a better interest rate and you get more too, assuming the loan is paid back.
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