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Tips On Lending Money To Family

The first people your family and friends turn to in times of financial trouble is you. However, lending money to family or friends can be a touchy subject. Therefore, our debt counselors recommend learning some tips on lending money to family.

Follow ACCC's advice for lending money to family.

Follow ACCC’s advice for lending money to family.

Tips on Lending Money to Family

When you are lending money to a family member, you are potentially putting your treasured relationship at risk. If the money is not paid back on agreed terms, the situation can get even worse. With your own efforts to eliminate credit card debt it is important you make a wise decision when lending money to family.

Decide if you can really help!

Even when it is a family member, sometimes it is important that you decide to say no. Before you lend money, consider what other uses you have planned for that cash. If you were planning to put this money towards a debt management program, it always takes precedence over anyone else’s needs. Therefore, prioritize your financial goals before others.

Get your partner on-board!

If you’re married or in a relationship where you’re sharing a bank account, make sure that person is on board with helping your family member financially. If not, lending money to family can strain your marriage.

Make it Official

If you decide on lending money to family, it is important that you spell out the details in a written agreement and then have it signed and notarized. Seriously. This way both you and the borrower can specify the terms of the loan. This way you can avoid misunderstandings and family disagreements later on in life.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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