A lender is a person or a company that gives you money now, on the condition that you pay it back later — usually with a little extra, called interest. Banks and credit-card companies are the lenders most people meet. A shop that lets you pay in monthly pieces is a lender too, in a quiet way.

A lender is a person or a companyLender（放款人）是一個人或一家公司， that gives you money now現在把錢給你， on the condition that you pay it back later條件是你以後要還—— usually with a little extra通常還要多還一點， called interest叫做interest（利息）。Banks and credit-card companies銀行和信用卡公司 are the lenders most people meet是大部分人遇到的lender。A shop that lets you pay in monthly pieces一家讓你按月分期付款的店， is a lender too某種程度上也算是一個lender， in a quiet way不太明顯地。

Though actually, in everyday talk we often just say “the bank” or “the loan company”; “lender” shows up more on contracts, in the news, and when someone wants to name the side that owns the debt. It is not a warm word.

Though actually不過話說回來， in everyday talk we often just say日常對話裡我們常常就直接說 "the bank" or "the loan company"；「銀行」或「貸款公司」； "lender" shows up more on contracts, in the news「lender」比較常出現在合約上、新聞裡， and when someone wants to name the side that owns the debt還有當有人想指名「擁有這筆債的那一方」的時候。It它 is not a warm word不是一個溫暖的字。

A friend who spots you NT$500 is, strictly, a lender, but we almost never call them that — we say they lent us money. The pair to learn is lender versus borrower: one hands the money over, the other takes it and must return it.

A friend who spots you NT$500一個借你台幣500元的朋友， is, strictly, a lender嚴格來說也算是一個lender， but we almost never call them that但我們幾乎不會這樣叫他們—— we say they lent us money我們會說他們借了錢給我們。The pair to learn要學的這一組詞 is lender versus borrower是lender對borrower（借款人）： one hands the money over一個把錢交出去， the other takes it and must return it另一個拿了錢，而且必須歸還。