Lend or borrow?

Lend means ‘give something to someone for a short time, expecting that you will get it back’. 'Lend' is an irregular verb, what makes its past simple form lent:

I never lend my cellphone to anyone.

I lent teacher Guil £30. (I expect that Guil will return this to me)

Borrow is a regular verb meaning ‘get something from someone, intending to give it back after a short time’:

Could I borrow your pen for a minute, please?

Angela used to borrow money from me all the time.

1 Million dollars tip

• When you give something, you lend it; when you get or receive something, you borrow it:

In case you still feel confused about it, just remember that who lends something gives it, and who borrows takes.

Would you like to see more examples?

Borrow

Can I borrow your dictionary?

I want to borrow a book from the library.

I had to borrow money here and there to pay for repairs.

Keep the shoes in good condition: you are personally responsible for the shoes borrowed from bowling.

With tax revenues falling sharply, many had to borrow the money.

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Lend

I need to return the book my friend lent me.

He lent me money without asking for interest.

Very reluctantly, I've consented to lend her my car.

Here's the book I said I'd lend you.

I lent our ladder to the neighbours.

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Source: https://dictionary.cambridge.org/grammar/british-grammar/