"To borrow" means that you take money/an item from another person, with the intention of giving it back later. "To lend" means that you give money/an item to another person, with the expectation of getting it back later. Example: "I lent Alice some money". Meaning: "I gave her some money, and I expect that she will give it back to me later." Example: "I borrowed money from Jack." Meaning: "Jack gave me some money to use for now, and I must give it back later."

Hey, Smelval! Just like Anna said with examples right above, the way you use them depends on how are you talking about it. If is about the speaker asking, I mean, the "thing" that is being asked for is going in this direction, so you use borrow. "Can I borrow your pen?" (Can I Get) But if it's the opposite, I mean, you are talking about the speaker in case and if he/she is giving something temporarily, so you use Lend. "Can you lend me your pen?" (Can you give) In other words, when it's about giving something, you lend it; when it's about getting something, you borrow it. I hope this helps!

If I have a bike, and you don't... ...I can LEND it TO you ...YOU can BORROW it FROM me You can use both to refer to the same situation - see examples below: "Will you lend me £10? I'll pay you back tomorrow" = "Can I borrow £10? I'll pay you back tomorrow."