I am confused about using words related to money.

I have looked up in Oxford Learner's dictionaries. The word "loan" has the meaning: money that an organization lends and somebody borrows.

On the contrary, which word (or a phrase) describes "money that you lend somebody"?

I have a project about finance. It includes a lot of financial English words. I have to describe "the amount of money that you earn", "the amount of money that you pay", "the amount of money that you borrow from somebody" and "the amount of money that you lend to somebody"

Edited: Finally, I decided to choose the word income/expenditure/debt/loan for my purpose. I am so sorry for my inconsistency. Thank you for all your attention. Thank you!

  • 1
    I use Oxford dictionary. There are some example sentences: "It took two years to repay my student loan."; "I even gave her the loan of my car."; I mean which word is opposite in meaning to "borrowed money".
    – Hao Nguyen
    Apr 20, 2018 at 9:06
  • Why don't you cite/quote those two examples? I understand your confusion now. If nobody answers in a couple of hours I will but I can't now, I'm too busy.
    – Mari-Lou A
    Apr 20, 2018 at 9:08
  • 1
    Uh, it's still a loan? Apr 20, 2018 at 9:11
  • I have a project about finance. It includes a lot of financial English words. I have to describe "the amount of money that you earn", "the amount of money that you pay", "the amount of money that you borrow from sb" and "the amount of money that you lend sb".
    – Hao Nguyen
    Apr 20, 2018 at 9:15
  • 1
    @Lawrence Spot on, me too. "Here's that sick squid I owe you" and all that.
    – BoldBen
    Apr 25, 2018 at 17:08

4 Answers 4


A customer who wishes to make an important purchase, or has urgent repairs will ask for a personal loan:

And he or she will apply for a bank loan

You can apply for up to £50,000

On the other hand, a bank provides finance (or funding); gives out or approves of loans.

The bank lends money to its customers. The customer borrows money from the bank after he or she has successfully applied for a loan. Therefore the bank is the lender, and the customer is the borrower


Debt is something, especially money, that is owed to someone else, or the state of owing something (according to the Cambridge Dictionary):

  • He could no longer pay his debts.
  • I owe him nearly $10,000 and my debt is growing every day.
  • I'm up to my eyeballs in debt.

Perhaps, loan is still the word you are looking for because it's possible to say "She needed money, so she asked her friend for a loan." Loan doesn't necessarily mean money borrowed from a bank.

  • Is it a synonym of "loan"? I want to ask "The amount of money you borrow from sb" is a loan. "The amount of money you lend to sb" is ...? (a word or a phrase)
    – Hao Nguyen
    Apr 20, 2018 at 9:20
  • 1
    You don't really say that you gave someone else a debt. You give him a loan. Apr 20, 2018 at 9:25
  • How to discriminate the loan "you lend" and the loan "you borrow"? I need a phrase. Thank you for your help.
    – Hao Nguyen
    Apr 20, 2018 at 9:30
  • The answer is edited. Please have a look.
    – Enguroo
    Apr 20, 2018 at 9:34
  • Thank you very much, Enguroo. But how to discriminate between the loan "you lend" and the loan "you borrow"?
    – Hao Nguyen
    Apr 20, 2018 at 9:40

I would use "to fund - as a verb" or "funds - as a noun", as describing the act of providing or the money provided for loan purposes (purposes not described). There are other words that can be used, for example - "capitalize", capital and "subsidize", subsidy. The words are commonly used in finance with many applications.




A has money. B needs money. A and B can be individuals or banks or other organizations. Here are some sentences that show you how to use these basic words. This list is not exhaustive (complete), but it should help with what you would like to do. (And by the way, next time you have a basic question like this -- ask it on ELL so you don't end up drowning in a lot fine print.)

A lends B money.

A lends money to B.

A makes a loan to B.

A gives B a loan.

A loans B some money.

B borrows money from A.

B earns a good income but he has a lot of expenditures this month. Therefor he needs to take out a loan.

B will gradually pay off the loan with monthly payments.

A: "B, do you need a loan?"

B: "A, could you lend me some money?"

B: "A, could you loan me some money?"

B goes to the bank to apply for a loan. When he gets there, he says, "I'd like to apply for a loan."

The loan officer helps B fill out the application.

The next day, the loan officer calls B with the good news that his loan was approved and the funds have been deposited in his account.

  • Hao Nguyen, make sure you get to know ELL, it's a great site. Also check out linguee.com, which gives lots of real-world example sentences. Also, of all the dictionaries I know, en.oxforddictionaries.com/definition/loan is the one that shows the most example sentences. (I personally learn better from example sentences than from dictionaries.) Apr 21, 2018 at 13:39

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