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Lendee vs. Lender: What's the Difference?

Edited by Aimie Carlson || By Janet White || Updated on October 11, 2023
Lendee vs. Lender: "Lendee" is the one who receives or borrows, while "Lender" is the one who provides or loans.

Key Differences

"Lendee" refers to the individual or entity that is the recipient of a loan or borrowed item. Conversely, "Lender" is the party that offers the loan or allows the borrowing of the item.
In any transaction involving a loan, there are two primary entities: the "Lendee" who seeks to borrow, and the "Lender" who agrees to provide the loan.
From a responsibility perspective, the "Lendee" bears the obligation to repay or return the borrowed amount or item, while the "Lender" has the right to expect and demand the repayment or return.
While the term "Lendee" isn't as commonly used in everyday language as "Lender," the distinction remains clear: one receives (Lendee) and the other provides (Lender).
The relationship between a "Lendee" and a "Lender" is often governed by mutual agreements or contracts that outline the terms of borrowing and the obligations of both parties.

Comparison Chart

Role in Transaction

Recipient of a loan or borrowed item.
Provider of a loan or item to be borrowed.


Repay or return the borrowed amount/item.
Expect and demand repayment or return.

Common Usage

Less commonly used term.
Frequently used in financial contexts.


Borrows from the lender.
Loans to the lendee.


Often the signatory agreeing to repayment terms.
Stipulates the terms of the loan.

Lendee and Lender Definitions


One who has an obligation to a lender.
As a lendee, she understood the importance of timely payments.


An individual or institution that offers a loan.
The bank is a prominent lender in the community.


The opposite party to a lender in a loan transaction.
The lendee signed the contract after reading the terms.


The entity to which debt is owed.
The lender sent monthly statements outlining the remaining balance.


An individual or entity that borrows.
The lendee agreed to repay the loan in 12 months.


One expecting repayment from a borrowal transaction.
As a lender, he was keen on receiving timely interest.


The party receiving a loan.
The agreement clearly outlined the responsibilities of the lendee.


The party in a transaction providing funds or items.
The lender stipulated the terms of repayment.


The entity taking on debt.
The bank evaluated the lendee's creditworthiness before approving the loan.


An entity that extends credit to another.
The mortgage lender had strict criteria for loan approvals.


The person to whom something is lent.


To give or allow the use of temporarily on the condition that the same or its equivalent will be returned.


To provide (money) temporarily on condition that the amount borrowed be returned, usually with an interest fee.


To make available for another's use
The neighbors lent us help after the storm.


To contribute or impart
Books and a fireplace lent a feeling of warmth to the room.


To make a loan. See Usage Note at loan.


One who lends, especially money; specifically, a bank or other entity that specializes in granting loans.


One who lends.
The borrower is servant to the lender.


Someone who lends money or gives credit in business matters


Is "Lendee" a commonly used term?

No, "Lendee" isn't as common as "Lender," but its meaning is clear in context.

Who is a Lendee?

A lendee is the individual or entity that borrows or receives a loan.

What is the primary obligation of a Lendee?

A lendee's primary obligation is to repay or return what was borrowed.

Do Lenders always expect interest?

Typically, lenders expect interest on loans, but terms can vary based on the agreement.

Can an individual be a Lender?

Yes, an individual can act as a lender, for example, by giving personal loans.

What is the role of a Lender?

A lender provides loans or allows items to be borrowed.

How is the relationship between Lendee and Lender defined?

Often, it's defined by mutual agreements or contracts specifying terms and obligations.

What risk does a Lender bear?

A lender risks not being repaid or losing the borrowed item.

Can a bank be both a Lendee and a Lender?

Yes, a bank can borrow funds (act as a lendee) and also provide loans (act as a lender).

Is every Lendee in debt?

Yes, by definition, a lendee has taken on debt or an obligation to return what was borrowed.
About Author
Written by
Janet White
Janet White has been an esteemed writer and blogger for Difference Wiki. Holding a Master's degree in Science and Medical Journalism from the prestigious Boston University, she has consistently demonstrated her expertise and passion for her field. When she's not immersed in her work, Janet relishes her time exercising, delving into a good book, and cherishing moments with friends and family.
Edited by
Aimie Carlson
Aimie Carlson, holding a master's degree in English literature, is a fervent English language enthusiast. She lends her writing talents to Difference Wiki, a prominent website that specializes in comparisons, offering readers insightful analyses that both captivate and inform.

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