Which one is the correct sentence?
- If you need a dictionary, I'll lend you mine.
- If you need a dictionary, I lend you mine.
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Both sentences are grammatically correct because they are of different types. The first one is 'First Conditional'. It refers to real future situations. The verb form in the main clause is usually in the so called 'Future Simple Tense' /will and the bare Infinitive/ or there is a modal complex predicate /must, may, etc. and bare Infinitive/. The second one is 'Zero Conditional'. It refers to permanent situations which are always true. The verb form in the main clause is in one of the Present Tenses /nearly always the Present Simple/.