These 3 individual words – borrow, lend andloan are till date, one of the most misunderstood words in the English language. A lot of people don’t know when to use borrow, lend and loan, so they end up using each word in the wrong manner, and interjecting them in sentences where they aren’t suppose to be in the first place.We’ll be showing you the meaning of borrow, lend, loan, and how you can use them properly and in the right manner.
Without wasting much time, these are the words in their deciphered forms –

BORROW (VERB)

To “Borrow” means to collect or take something from someone, with permission and with the aim of returning it back once you’re through with it.

The past tense and past participle of “Borrow” are “borrowed”.

Examples:

  • Steven, can I borrow your bicycle for today?  RIGHT
  • Steven, can I lend your bicycle for today? WRONG
  • Mary borrowed my pen yesterday. RIGHT
  • Mary lent my pen yesterday. WRONG
  • Who tore the books I borrowed from the library? RIGHT
  • Who tore the books I lent from the library? WRONG
  • Naomi likes borrowing Mrs. Challis’ dog for her morning walk. RIGHT
  • Naomi likes lending Mrs. Challis’ dog for her morning walk. WRONG
  • He borrows a lot of nail from the carpenter’s shop. RIGHT
  • He lends a lot of nail from the carpenter’s shop. WRONG

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LEND

Lend” is the exact opposite of the word “Borrow”. It means to give something to someone with the hope that he or she will surely return it.
The past tense and past participle of “LEND” are “lent”.

Examples:

  • I can lend you the money, but you must promise to pay back by Monday.RIGHT
  • I can borrow you the money, but you must promise to pay back by Monday. WRONG
  • What did you tell dad that made him lend you his car? RIGHT
  • What did you tell dad that made him borrow you his car? WRONG
  • I lent Rosemary my wristwatch yesterday. RIGHT
  • I borrowed Rosemary my wristwatch yesterday. WRONG
  • I can’t afford to lend you my kidney. RIGHT
  • I can’t afford to borrow you my kidney. WRONG
  • I’ve lent out all my cars to my friends. RIGHT
  • I’ve borrowed out all my cars to my friends. WRONG

In other to grasp when to use “LEND”, try and have this conscious understanding that wherever you see “lend” you’re equally seeing “give”; and wherever you see “lent” you’re also seeing “gave”.

When you get this part, then you won’t be confused over which words to use between borrow and lend.

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LOAN

It’s a synonyms for lend.

Remember, “A synonyms is a word that means the same, or almost the same, as another word in the same language, either in all of its uses or in a specific context.”

It means to give something to someone with the hope that he or she will return it.
The past tense and past participle of loan is “loaned”.

Examples:

  • I’ll loan you the artifacts only if you promise to pay back soon. RIGHT
  • I’ll borrow you the artifacts only if you promise to pay back soon. WRONG
  • I can’t loan you any money at this moment. RIGHT
  • I can’t borrow you any money at this moment. WRONG
  • The library loaned me these 23 books I’m reading. RIGHT
  • The library borrowed me these 23 books I’m reading. WRONG
  • I’ll be happy to loan you a pen. RIGHT
  • I’ll be happy to borrow you a pen. WRONG
  • She loaned all her money to the stockbroker. RIGHT
  • She borrowed all her money to the stockbroker. WRONG

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Remember:

To borrow means to “collect something”, while to lend or loan means to “givesomething out”.  Just keep that in mind and these 3 words won’t confuse you ever again.