Friend has asked to borrow money but I’m not sure

Sorry if been asked already but why would it be awkward? How do they know you have savings?. Just say you don't have that kind of money to spare or you'd be on a beach in Alacante sipping tequila sunrise. You'll never get it back, can you afford to lose £2k?

2k is a lot of mo wy to lend, I wouldn't do it.
They had a chance to buy a car and didn't.
And don't tell people you have savings,they'll try and mooch it off you.

Definitely don't do it. I actually don't think she's a good friend to put you in this position. None of my friends have ever asked me to borrow money, and I have friends who have little money. I have also never asked to borrow money from friends. If you find the conversation awkward you could just lie and say a sudden emergency expense has come up for you that has wiped out your savings (car or vet bill, house repair, expense relating to helping elderly parent, etc.) And if she treats you negatively or awkwardly in response to that, or pushes you more for money anyway, it's further proof she is not a true/good friend.

Lending this money would change the whole dynamic of your relationship. As many others have suggested, this is a bad idea. The short-term awkwardness that will come from saying no is nothing compared with that.

Friend or not, they should never have put you in this awkward position. My advice, for what it’s worth, would be to say no (unless you are prepared, and can afford, never to see your money again). They’ve already demonstrated, from what you have posted, that they can’t manage money well, as they struggle to repay debt. (This alone, suggests they’ll never be in a position to repay you).

It won’t be easy for you, I’m sure, to say “no” because they are friends. However, to some extent, they might be relying on this fact. So please, be strong, and say no. It won’t end well, otherwise (and, to be honest, if they drop you because you refuse, then they really are only fair weather friends and best dropped anyway). I wish you all the best, but please, be strong.

They made their choices. Let them ask their family. You will not see the loan again and that will wreck the friendship anyway. I was a lender to my own detriment for too long. Learnt a lot of hard lessons about 'friends'. Say No, 5K is not enough of a cushion to be lending from. You may find, as I did, that as you assert yourself, any friends who are taking advantage will drop away, and will be replaced by healtheir relationships. No, No , No. They are blackmailing you.

How does she know you have money?
just say no. Don’t explain. They have abused the relationship by asking.

So they blew through 22k without a thought and they now want you to give them money. It's obvious that they have no regard or respect for money in any context. So why should they even be asking you in the first place let alone bothering to pay you back which you would probably have to fight for.

Listen to your gut. Don't.

You will never get it back. They will constantly want to borrow money off you if you agree to this £2k

Tell them to look for a garage that has a payment plan, i know they exist.

There are a number of reasons why you should say 'no' to helping them.

1. They both have poor credit scores because they haven't pay their creditors back under the agreed terms. If you lend them money this will include you.
2. They had a windfall of £22k last year. Any responsible person would have put money into savings not fritter it all away in less than a year.
3. £2k on a car repair is an insane amount of money to spend. This tells me it's either a rubbish car or a very old one. Why didn't they replace the car last year when they had the money to do so?
4. You have been financially responsible and made provision for worst case scenarios. It's not your responsibility to bail them out because they've failed to do the same.

If they can't afford to fix the car, or get one on HP or payment plan they can get the bus

Nope. No. Absolutely not.

"I'm sorry, I can't afford it"

Never lend an amount you can't afford to lose

Don’t.

If the car needs £2K repair. It is dead and they might benefit buying another one. If they can’t afford it then they need to look into renting one when necessary which should be affordable for them.

A good friend once asked to borrow a largeish sum of money from me. I refused and told my friend that I had a policy of never lending money to friends, because from past experience, it can risk a good friendship. That is how you should respond. Hang on to your hard earned cash.

An old saying but it's very true "If you want to Keep a friend, never borrow, never lend"
Don't lend any money you cant afford to loose.
How do they know you have savings?
They obviously don't plan ahead, spend 22k on what? Didn't even save 5k for emergencies. Bad credit? No, sorry tell them to get an extra job each and pay their own way.

So they essentially pissed £22k up the wall and are now asking you to pay for thier car repair? Hard no from me. No guilt whatsoever. If they'd struggled and scrimped to keep a roof over their kids heads with that £22k maybe, holidays they couldn't afford while not even thinking about what they would do to cover an emergency that lets face it we all have to factor, no way. All they had to do was keep a couple of grand back for an emergency fund. They chose not to and the first thing they think of is good old sunrisesunshine has money, let's ask her.

NOOOOOO!!!!

They see you as childless and better off than them and perhaps a soft touch. I’d just say no.

No no no! The only way I would ever do something like that is if someone literally had a fun to their head/kidnapped/some other life or death situation!

Moreover, I would never, ever, ask this of a friend. Even if I was on the bones of my arse. It's a really mean thing to put on someone. Just say no.

You already know the answer and reason, because you would not have posted otherwise.

Do not lend anyone any money, no matter who they are, and especially not such a large sum.

Ask yourself : 'HOW MANY HOURS DID I WORK FOR THIS £2k?' That should determine the matter, whoever worked and slaved for it.

If you are easy to soften, say you will go together to a solicitor, at their expense, and work out a repayment plan to include interest at the usual loan company rate. Even so, I would advise against it.

Never lend to anyone. If someone asks for a small sum of money, say you will give it to them, no need to repay it, but never ask me again.

It is the only way to stay out of trouble.

Definitely don’t! Maybe even tell a white lie if you can and say it’s in an ISA you can’t touch or something. If you lose your friend because of this, they were never a good friend to be begin with!

No. They already have a debt record. Why add you to it?