-> ''Neither a borrower nor a lender be\\
For loan oft loses both itself and friend,\\
And borrowing dulls the edge of husbandry.''
-->--'''Polonius''', ''Theatre/{{Hamlet}}''

It's coming up to rent day and [[AliceAndBob Alice]] is a little short. Bob, on the other hand, has money to spare, and casually offers to lend her the cash - after all, what's a few quid [[ThePowerOfFriendship between friends]]? No need for collateral or payment deadlines, ThePowerOfTrust will prevail!

Now one ([[ZigZaggingTrope or more]]) of several things happens to severely strain their friendship:
* Alice is slow to pay the money back. Bob starts off understanding, but gets more and more annoyed the longer it goes on and the more his own financial pressures build up.
** Bob assumes this will happen and starts pestering Alice for the money unreasonably - she's already paid it out, and can't return it yet, and her good friend has suddenly transmogrified into the [[AllDevouringBlackHoleLoanSharks All Devouring Black Hole Loan Shark]]!
* Alice suddenly has money to burn, and [[ShoppingMontage does so]]. Bob is either angry that she [[AesopAmnesia hasn't learnt her lesson]], that she seems ungrateful, or that she apparently didn't need the money as much as he thought. He may be [[{{Pride}} too proud]] to mention needing the money, and Alice will assume he's getting along fine without it.
** Bob assumes ''this'' will happen, and starts watching over Alice's shoulder, reading her receipts, and generally being nosey and superior - less LoanShark and more [[ObstructiveBureaucrat Bank Manager]].

This will rarely be the [[GreyAndGrayMorality moral grey area]] it would usually be in RealLife: one party (most often the greedy lender) will be [[BlackAndWhiteMorality clearly in the wrong]], and will learn AnAesop about the importance of [[ThePowerOfFriendship Friendship]] and [[ThePowerOfTrust Trust]]. If the borrower really was taking advantage, the relationship can be more significantly damaged, especially if they continue to refuse to pay it back.

One of the MoneyTropes. Closely related to BrokenTreasure, where a borrowed ''possession'' is lost or broken, leading to similar problems. If the ill-advised borrowing is from a suspiciously helpful stranger, see LoanShark. Compare EvilDebtCollector, as well as TheThingThatWouldNotLeave.



[[folder: Anime ]]

* Cosigning a car lease for an old work acquaintance is what sets the events of Manga/{{Kaiji}} into action. And, of course, [[spoiler: the guy he did it for shows up and proceeds to die, ensuring Kaiji will never get re-payed for the headache.]]
* Invoked in ''Manga/NewGame'' when Aoba and Nene visit the souvenir counter at a movie theater: Aoba, who's just received her first paycheck, offers to lend Nene money for some merchandise, but Nene turns her down because it'd be bad for their friendship. Aoba has the same answer when Nene suggests that Aoba buy the goods and resell them to her later.


[[folder: Comics ]]

* In ''ComicStrip/KnightsOfTheDinnerTable'', a RunningGag is for one of the characters, usually Dave or Bob, to show up to the game with some expensive extravagance, like a $75 electronic [[strike: GM screen]] "player advantage screen", or drop everything to spend a week at [=GaryCon=], with long-suffering B.A. or [[TheStraightMan Sara]] pointing out that he still owes money or that his car has urgent repair needs he's been putting off.
** One strip deals with all five characters dealing with an tangled web of World War I alliance-proportions' worth of owed money between them. The equally complex solution ''("Take the money you owe me, pay it back to him", etc.)'' clears up everyone's accounts except for [[ButtMonkey Bob]], who now owes money to everybody.
* During the ''ComicBook/SpiderMen'' crossover, Peter warns Miles to never lend money to {{Wolverine}} or ComicBook/{{Mockingbird}}, because he'll never see it again.
* ''ComicBook/LuckyLuke'': In ''Tortillas for the Daltons'', the Daltons end up in Mexico, where they mug a mariachi band for their mules, clothes and instruments. Luke runs into the mariachis and notes that one doesn't seem too cut up about it. He then says that he'd already lost his stuff to one of the other bandmembers while playing poker.


[[folder: Film ]]

* Subverted in ''Film/ABronxTale''. Calogero is owed twenty dollars by a casual acquaintance (keep in mind this was a lot of money in 1968), which escalates into such a tense issue that the kid ends up just running every time he sees "C" coming. C is venting about this one day to his [[AntiVillain men]][[SenseiForScoundrels tor]] Sonny, who asks C if he even particularly ''liked'' the guy to begin with. C replies that he never really did, and Sonny points out that he's free to just forget about it if he wants -- the other kid will continue avoiding C in order to avoid repaying the debt. "He's out of your life for twenty dollars."


* Two guys are walking down the street when a mugger approaches them at gunpoint and demands their money. They both grudgingly pull out their wallets and begin taking out their cash. Just then one guy turns to the other and hands him a bill. "Here’s that $20 I owe you," he says.

[[folder: Literature ]]

* In Creator/GuyDeMaupassant's "Literature/TheNecklace", a woman borrows a fancy necklace, [[BrokenTreasure loses it]], can't bring herself to tell her friend, beggars herself and her husband to buy an identical necklace to give back... and then, after a lifetime of misery based on that single decision, encounters the lender again, spills her guts, and discovers [[spoiler:that the woman had only lent her costume jewelry]].
* In Creator/GeorgeEliot's ''Literature/{{Middlemarch}}'', Fred Vincy casually persuades Mr. Garth to underwrite a debt, assuming that he will easily pay it back from an expected inheritance. When this [[PassedOverInheritance doesn't work out as expected]], he tries to scrape up the money owed but comes short, forcing the Garths to give up their life's savings which were earmarked to fund their children's apprenticeship. Fred is guilt-torn, but later, when Mr. Garth's fortunes improve, it's he who gives Fred the means to redeem himself and repay the money.
* In one of Creator/LewisCarroll's ''Literature/SylvieAndBruno'' books, the Professor tries to explain the meaning of the word 'convenient' with a poem about two men, Peter and Paul, which begins with one deciding as a gesture of friendship to lend the other fifty pounds. Said poem takes this trope to its extreme, as the lender does not find it "convenient" to provide the money until well after the date in which the lendee is forced to ''pay it back''... and after the lendee is reduced to homelessness... and while the lender still hasn't found it convenient to lend the original money at the end of the poem, he has decided in his magnaminosity to lend fifty ''more'' pounds! Which the lendee rejects, exclaiming that "it would not be convenient!"
* In one story by Creator/EphraimKishon. Played with insofar as it's the friend who really becomes obnoxious, despite the narrator being polite and helpful.
* In ''Literature/TheKingKillerChronicle'', most of Kvothe's problems are either caused, or made worse, by the fact that he's afraid of falling into this with his friends.


[[folder: Live Action TV ]]

* Surprisingly averted in ''Series/TheBigBangTheory''. Lending money to friends seems to be the one thing Sheldon doesn't get obsessive about. He makes more than he spends, so he just has bundles of cash hidden around the house, which he is happy to let his friends dip into. Penny, on the other hand, gets neurotic about it, assuming every innocent comment is a lead-up to him demanding his money back.
* Very frequent on ''Series/TheSopranos''.
** Tony lets David Scatino into his illegal high-stakes poker game; Scatino runs a ridiculous losing streak and ends up losing his car and his business to Tony, not to mention divorced.
** Tony also lends his buddy Artie some money for a losing investment, which drives a wedge between them. Tony suggests that Artie pay him back by canceling his tab at Artie's restaurant, which Artie then accuses of being Tony's plan all along.
** Tony himself runs up some gambling debts and ends up owing money to his Jewish friend Hesh. When Hesh asks for it back, Tony gets defensive and resentful and starts making GreedyJew jokes.
* ''Series/EverybodyLovesRaymond:'' Ray & Debra lend Robert money after visiting his run-down bachelor pad, but Ray gets upset when Robert goes to Las Vegas.
** By the end of the episode, though, Ray has admitted to Robert that he secretly envies him. As Ray puts it, a vacation for him would be going to the bathroom for 2 minutes without someone banging on the door. As Robert is still single, he can afford to just up and go to Vegas. Ray urges him to go. We never see Debra's viewpoint on this. Presumably, she'd disagree with Ray.
* ''Series/{{Frasier}}'': Frasier lends Roz some money to help her through single motherhood, but calls her spending into question when Daphne sees her at a spa, and Frasier sees luxury items in her shopping bag. Turns out they were all justified expenses (a coupon, a gift from her mother, a store credit for a return, etc.) apart from one (a bottle of perfume) which she got to treat herself.
* Twisted in ''Series/{{House}}'', where House asks Wilson to borrow money any time he makes a big purchase. He actually ''has'' the money, he's just trying to objectively measure the strength of their friendship.
* ''Series/ICarly'' devotes an entire episode to Sam paying back Carly and Freddie $500. Sam ends up getting a bad job and it strains their relationship somewhat.
* ''Series/SexAndTheCity'' - Carrie needs to get a mortgage on her apartment, but has apparently managed to spend all her money on shoes (no, really) so she doesn't have it. Miranda and Samantha offer to loan her the cash (she refuses) but Charlotte doesn't, because of this trope. Carrie whines about it, and Charlotte eventually changes her mind and lends the money to Carrie, who promises to pay it back with interest. It's never mentioned or brought up again.
* On ''Series/{{Cheers}}'', Diane borrows $500 from Sam to buy a first-edition Hemingway. Sam says he's not going to expect her to pay it back, but then Carla eggs him on by pointing out Diane's expensive clothes, lunches, etc. Finally Diane gives Sam the book as collateral; [[BrokenTreasure he drops it in the bathtub while reading it]]. A buyer offers Diane $1200 for the book, and Sam is forced to outbid him.
** In another episode, Norm suddenly comes into money and Sam starts harping on him about his bar tab. When Norm buys a boat with the money, Sam loses it and starts yelling at Norm. Norm reveals that the boat is for Sam for being such a good and patient friend.
* Several examples in ''Series/{{Friends}}'':
-->'''Joey:''' If you want, I could loan you some money?\\
'''Phoebe:''' Oh no, no, no. I learned never to borrow money from friends. [[NoodleIncident No, that's why Richard Dreyfuss and I don't speak anymore.]]
** And:
-->'''Joey:''' You know... lending friends money is always a mistake.\\
'''Monica:''' But Chandler lent you money!\\
'''Joey:''' And I think he would tell you it was a mistake.
** While in an inversion, Chandler spends an episode desperately trying to lend Joey money, but Joey doesn't want to owe him anything - presumably because of this trope. [[HilarityEnsues And thus was born]] [[CalvinBall the Game of Cups.]]
* ''Series/TheSuiteLifeOfZackAndCody'': Maddie borrows money from London, and London uses this to guilt Maddie into doing things for her. In the end, Esteban and the rest of the staff take up a collection so Maddie can pay London back. This upsets London who wanted to keep power over her.
** In another episode Zack borrows money from another boy to play in the arcade, without any ability or intention to pay back; the boy threatens Zack into making Cody throw the spelling bee they are both in so he can win 'or else'. Since the boy is tall and built, Zack thinks the threat is violent. However when everything comes to light, the boy reveals he wasn't going to beat him up; he was going to tell Zack's mom about the money.
* Partly [[LampshadeHanging Lampshaded]] and partly averted in an episode of ''Series/DoogieHowserMD''. Vinnie asks Doogie for some money, and at first Doogie refuses because of this trope. He ends up agreeing, but it doesn't cause any problems between them and it never gets mentioned again.
* A LOT of the cases on ''Series/JudgeJudy'' involve the plaintiff suing a former friend for an unpaid loan. The defendant's usual defense will be "it was a gift, not a loan," such as in [[http://www.youtube.com/watch?v=dpRKwgEQWhs this case]]. Judge Judy almost always rules in favor of the plaintiff, as well as giving them the advice: "Never lend money to anybody. As soon as you lend money, you become the bad guy."
* In an episode of ''Series/{{MASH}}'', Winchester loans money to BJ, then proceeds to treat him like a servant, expecting him to do everything he wants. For some reason, BJ complies, even though he already has the money and these conditions were never discussed when he asked for the loan.
** Another episode has Frank and Hot Lips arguing over this, including the obligatory mention of the page quote.
* JD on ''Series/{{Scrubs}}'' lent the Janitor a buck for the vending machine, only for him to start acting as if every random encounter is JD hounding him for a repayment. Of course, that's how he acts most of the time with no provocation whatsoever, so...
* In the second series of ''Series/FreshMeat'', the housemates discover they've all independently been lending money to Vod, and she hasn't been paying anyone back, so they confront her over it at a house meeting.
-->'''Vod:''' I didn't realise I was living with a bunch of bean counters!\\
'''Kingsley:''' Yeah, we've counted them, and we've got no beans. You've taken all our beans!
* ''Series/MurdochMysteries'': PlayedForLaughs in "The Spy Who Came Up to theCold", when Higgins hides Crabtree's fancy new pen because George bought it rather than repay a small loan to him. Crabtree argues that Higgins borrowed from him a year earlier to get a uniform item and hadn't repaid that loan. The two trade insults while working the case.


[[folder: Music ]]

* "Listen Up" by The Gossip:
-->Everybody knows someone like that
-->Who borrows money and won't pay you back
-->They'll talk about you at the drop of a hat
-->Lie about it to your face when they're caught


[[folder: Theatre ]]

* The page quote from ''{{Hamlet}}'' was in the middle of a bunch of other, nonsensical, advice Polonius gave his son Laertes, implying that [[CompletelyMissingThePoint it was also not great advice.]]


[[folder: Real Life ]]

* RealLife: some religions ban money-lending with interest entirely, as it can be seen as capitalising on another's misfortune ("Usury"). This is the case with Islam, and was also true in Medieval Christianity, with the interesting side effect that people simply borrowed from the comparatively [[TheUnfettered Unfettered]] Jews, giving rise to the "[[GreedyJew greedy Jewish moneylender]]" stereotype that unfortunately [[SpaceJews survives today]].
** The [[http://suicideforhire.comicgenesis.com/d/20060809.html webcomic]] ''SuicideForHire'' had a field day with this one, when beating up a bunch of [[TheWarOnStraw Strawman]] Christians.
** Judaism includes the same ban, but the Jews were able to charge interest because of a bit of canny LoopholeAbuse: they weren't allowed to charge interest to ''fellow Jews'', but Christians were on their own. Also, the ban was held not to apply to corporations, even if all of the corporation's owners were Jews; this has led to further shenanigans.
** Islam also allows (under some interpretations--nobody said that [[JewsLoveToArgue Jews have a monopoly on legalistic religious arguments!]]) some LoopholeAbuse in that certain transactions that closely mimic loans for interest may be permitted. The major forms are the ''ijarah'' loan (in which the "lender" purportedly buys some property the "borrower" owns and leases it back to them, with the loan payments conveniently equalling a good interest rate, and then sells the "borrower" the property back at the end of the loan) and the ''musharakah'' (in which the "lender" and "borrower" enter a partnership agreement to own a particular piece of property; the "lender" initially owns a majority of the partnership, but the "borrower" buys him out in installments - this is similar to a financial lease), with a few other arrangements having been tried. The interesting thing about all of these is that inevitably, (1) they center on a piece of actual property the "lender" can take control of if the "borrower" defaults, but (2) if the "borrower" does default paying, the "lender" cannot sue him for the balance of the "debt"; thus the arrangements are economically equivalent to non-recourse secured loans (i.e. secured loans in which the creditor cannot pursue the debtor for a deficiency if the value of the collateral is less than the amount owed); some modernist scholars have held that this is an indication that what God was really saying is that if you're going to lend with interest, the loan must be secured and non-recourse. This has itself raised some controversy, which we will not enter here.
** On the other hand, those that have are encouraged to lend upon request, even if the loan probably won't be repaid before the time when all debts are to be considered clear. (On the ''other'' other hand, someone who ''abuses'' the fact that waiting long enough means the debt is cleared anyway, well, David calls that "wicked".)
* It's worth noting how many broken friendships are caused by this. In fact, there's a reason why a gigantic chunk of cases on most "judge" TV shows have to do with loaning money. It's better to treat any money loaned to friends as a gift, although it would be nice if they paid you back.
** For the majority of these cases, the agreement was only verbal and it gets hard to prove that the friend owed the other friend money when one can easily "forget" or not remember the details of the loan correctly.
** Sometimes it's a case of a vengeful ex. When the two were together, one of them lost a job or faced some other financial hardship, and their significant other stepped up and gave them the money, saying it didn't need to be paid back. Everything was great. Some time later, the couple broke up, and the money-receiver gets a summons to appear in small claims court, stating that the ex ''loaned'' them the money.
** The British financial discussion forum MoneySavingExpert has a [[http://forums.moneysavingexpert.com/showthread.php?t=76953 46-page thread]] on the subject of lending to friends and family. The usual message given by forum members to people who post because they're considering lending money to a friend or family member? '''''Don't'''''... unless you are very content with both a) never seeing the money again and/or b) never seeing the friend again, because either one or both are very likely to happen.[[note]]The reasons given are related to those two things. a), because a friend or family member who's come to you to borrow money is likely doing so as a last resort because they can't get mainstream credit due to financial difficulty or poor financial management ruining their credit rating, which necessarily means they are a poor credit risk; b), because the friendship or relationship makes it very hard for the creditor to dispassionately recover the debt or insist on its repayment, and the other person probably ''very well knows that''. There is also likely to be no means of enforcing the debt even if you have paperwork and are willing to pursue it, since recovering debts via the courts is often expensive, and even if you win you'll probably never see a penny without paying more money, even if the person actually has money to pay you back with.[[/note]]
* There are many horror stories online from people who had that one friend who "borrowed" something from them such as a video game, and then ''moved away the next day'', never to be seen again. Apparently this "friend" realized that if they kept their move a secret, they could easily make off with a bunch of free stuff. This was more common in the days before social networks, for obvious reasons. Also common are stories of friends who borrowed stuff and then turned around and ''sold it'' (usually to buy beer, cigarettes, or weed). Or lent it to someone else (who probably sold it).