To lend or loan is to GIVE something to a person temporarily, and to borrow is to RECEIVE something temporarily (and you will need to give it back).
If Maria is in class and she doesn’t have a pencil, she could ask her friend Daniel:
Daniel lends/loans her the pencil; Maria has borrowed a pencil from Daniel. And after she’s done using it, she’ll give it back.
Lend/loan is often used with to:
Borrow is often used with from:
Lend/loan and borrow can also be used for money: Imagine you don’t have enough money to buy a car, but you get $10,000 from the bank. You have to pay the money back later.
The amount of money is also called a loan (noun). Many people take out student loans to help pay for their education at university.
Now you owe the bank $10,000. “Owe” means you have the obligation to return something like money, an object, or a favor.
Avoid this common error! If you want to use your friend’s car for the weekend, say: