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A friend asked me to loan her $150

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Originally posted by: d33pt
sure you can, but if you feel like you can't trust your friend over $150, just don't loan her the money. trust me. she may be mad, but it'll probably be better for your friendship. i have a personal rule now. no more loaning money to friends.
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/thread
 
Seriously. What good is the contract in actuality?

If she doesn't want to pay you, she won't. File it in small claims court and she still won't pay you if she doesn't want to.

<-- knows better from GF having a nightmare scumbag landlord
 
I would only loan money if you know for a FACT you'll get it back. I had an exgf that was needing to pay tuition and her loan was going to be late coming in. Since it wasn't covering everything, she still had to put up 50% of tuition....I fronted her a grand. She promptly paid me back 2 months later when her check came in.

If it's not a situation like that, it's not worth taking the chance unless you just have money to burn. (or unless you're scoring with this chick....ohh yeah, if it ain't a chick....umm....why are you talking to non chicks?)
 
Everyone above me had good advice. But, unless I missed it, they left off one perfectly acceptable option:

Buy something that you value more than $150 from her (TV, computer, furniture, etc). If she ever wants her item back, she can rebuy it from you for $150.
 
If she is a real friend, then no contract is necessary, and you should just loan her the money as a close friend. If she is not a close friend, you should not be loaning her money at all.
 
Originally posted by: krunchykrome
If she is a real friend, then no contract is necessary, and you should just loan her the money as a close friend. If she is not a close friend, you should not be loaning her money at all.
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Again, OP seems to be under the delusion that a contract would do any good in this situation in real life.
 
Originally posted by: apac
Money and friends rarely mix well. If you can afford to lose that money, in the worst case, then sure you can help her. Otherwise I'd suggest you decline.
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/thread

dont "loan" money to friends. either give it to them in good faith or dont give it to them at all.
 
If he/she doesn't pay you back then you have lost your money. I don't care what you print out on your computer at home despite how many times it is signed. The costs of small claims court alone will make it so that you are in a lose/lose situation unless the money is simply paid back.
 
Originally posted by: dullard
Everyone above me had good advice. But, unless I missed it, they left off one perfectly acceptable option:

Buy something that you value more than $150 from her (TV, computer, furniture, etc). If she ever wants her item back, she can rebuy it from you for $150.
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If you do this, make sure you'd be happy keeping the thing instead of getting the $150 back. Once an agreement like that is made, most people feel much more free to not pay you back. Instead of them just screwing you out of $150, you've received an item of value, so the stigma and shame they feel if they don't pay you back is not nearly so high.
 
any money loaned to a friend better be a gift. She will feel guilty for awhile for having borrowed it, but after sometime she'll probably be annoyed if you ask for it.

If she needs the 150 and you can give it and you want to help her out sure. But even with a contract, getting that 150 back would be a pain in the ass and you lose a friend.
 
Never loan a friend money and expect to get it back is my POV.

If I can afford to give the money without it hurting me if I don't get it back then I'll do so, if I end up getting it all back then that's great, if not then it cost that amount to lose a friend.
 
Originally posted by: jpeyton
Is she hot?

Is there any way you can work out a trade for 'services'?
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Actually she sent me a text saying "I'll come and clean your house or do ANYTHING you want me to do!" With a big smiley face at the end. And yes, she's hot.

Originally posted by: dullard
Everyone above me had good advice. But, unless I missed it, they left off one perfectly acceptable option:

Buy something that you value more than $150 from her (TV, computer, furniture, etc). If she ever wants her item back, she can rebuy it from you for $150.
Click to expand...

I'm thinking this is the route I'll go. Thanks.
 
You have to take into account if you think she'll actually pay you back.

I know my best friend, if he wanted $150, I'd give it to him without hesitation, I trust him completely.
 
Originally posted by: d33pt
sure you can, but if you feel like you can't trust your friend over $150, just don't loan her the money. trust me. she may be mad, but it'll probably be better for your friendship. i have a personal rule now. no more loaning money to friends.
Click to expand...

I want to add to that rule a little since it closely reflects my rule.

No loaning money to friends that you will miss and expect to be paid back. For example, if you loan a friend $20 and easily forget about it because it is such a small amount, then by all means loan that money to the friend. But if loaning that friend more than $30 will eat you up until it's paid back, then don't loan that money to that friend.

Never loan more money to a friend than you are willing to lose.
 
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