Personal Credit Agreement – For most loans from one individual to another. Whether or not you should lend money to a friend or family member is a personal decision. Only you can answer. First of all, you need to be sure that you feel comfortable in this situation. Especially when we know that the situation becomes unpleasant and even leads to a permanently damaged relationship. If it is a loan used for medical bills or help to pay the rent, consider the needs and their monthly situation before choosing the loan. Interest is a way for the lender to calculate money for the loan and offset the risk associated with the transaction. This ensures that the credit process doesn`t ruin your relationships. .