When Do you need money and wish to ask your friends, but don’t know the right thing to say to avoid your request being turned down? Well, this is why I am bringing to you some legit excuses to ask for money from friends.

Your friends might be having difficulties and not giving you money, which is why your excuses have to be creative enough to spark emotions. Once emotions are involved, your friends will rally around to give another friend a lift in life. Before you proceed with reading, make sure to learn how to convince someone to give you money.


The excuses below are some of the best, so do well to modify, edit to your situation and use them accordingly.

Is it OK to ask friends for money?

If you know that you are very well going to pay back, then it is ok to ask friends for money. But if you know that you don’t have the resources to pay back, you can ask friends but always specify that you can’t pay back anytime soon.

Once you specify that you can’t pay back any time soon, friends will help you without expecting anything in return.

Read Also: Best Excuses to Get Money from a Sugar Daddy [Works 100%]

Best excuses to ask for money from friends:

Depending on your situation, age, type of friends, and country of residence, these are some of the best excuses to ask for money from friends.

Excuse 1: Health Test

Here’s what you need to know about the health test excuse, it is one of the best excuses to get money from friends. You have to tell your friends that you are having some health challenges and that you need cash to go for the test.

You can also spice it up with the fact that you are yet to be paid, and it is very urgent. In many cases, you will have to feign pain around your belly area. This will make them hurry and donate on your behalf.

Here is a sample to send electronically.

Hi [friend’s name],

I hope u r well. I need ur help with something important. As you know, I have been having some health issues lately & my doctor wants me to get some tests done. But the cost is pretty high & I can’t afford it on my own. I hate to ask but I was wondering if you could help me out with some money towards the cost of the tests?

I understand if you can’t or if it’s too much to ask, but if you can contribute whatever you can, it would mean the world to me.

Let me know if you have any questions or if you need more info. Thanks so much for your help and support.


[Your name]

Excuse No 2: You Bet Your Last Cash Due to Hunger

Telling your friends or neighbours that you lost your last money to a bet is silly, no doubt. They may blame you for taking such a risk, but you can retort by saying that you had no choice.

At this point, you do not even have to tell them that you need money; they will give you what they can afford. Note that you can use this excuse on as many friends as possible. However, you must tell each friend about it to not seem like you are lying when they discover it within themselves.

The truth is that friends would always inform other friends about your experience with the missing wallet.

Excuse No 16: You Are Flatly Broke

If your friends are the working-class kind, it is even easier to inform them that you are broke.

Send the message below to your friend:

Hey [friend’s name],

I hope this message finds you well. I’m reaching out to you because I’m currently facing some financial difficulties and it’s becoming hard for me to keep up with my basic needs like food, rent, and bills.

I’m really struggling to make ends meet, and I was hoping that you might be able to help me out with a little bit of money to get by. I know it’s a big ask, and I hate to put you in an uncomfortable position, but I’m really in a tough spot right now.

If you’re able to help out with any amount, no matter how small, it would be greatly appreciated. I’m happy to discuss more details about my situation if you need more information.

Thank you so much for considering my request, and please let me know if there’s anything I can do to repay your kindness.

Best regards,

[Your name]

Now, do not include your bank yet. You have to wait for your friend to get back to you. If they call, hear what they have to say. They will either ask you to send your account details or give you reasons why they cannot provide you with money at the moment.

Excuse No 3: Parents/Guardians Have no Money

Friends laugh over some stuff, but if you tell a friend that your parents are not buoyant presently, they will make no fund of you. Instead, they would be moved to assist with as much money as they can.

If your parents or guardians are not broke, do not say that they are. But if your parents say they do not have much money to give you at the moment, then it is okay to inform your friends that your parents or guardians have no money.

When writing or calling your friends, tell them that you asked and that the respondents indicated they have no money to give.

Also, emphasize the need to have the money, renew your subscription, get yourself clothes, or buy new toiletries.

Regardless of what you want to do, your friends will give you the money. But do not give them discouraging reasons like the ones below:

  • To gamble
  • Give to your lover
  • Buy toys
  • Go partying, etc.

Excuse No 4: Repay a Neighbour

If you owe a neighbour, of course, you must repay them. Tell your friends that you have owed the money for a while and feel bad about it.

Your friends understand that you need the money and do not need the cash to pay back. So, they may not give you the entire money.

Assuming you need $100, each of your friends can afford up to $10. If you contact 10 friends, that should reach $100. Note that not every friend you meet has the money; they also have problems to solve.

Read Also: Best Excuses to Get Money from Parents [Works 100%]

Excuse No 5: Complete Rent Fee

Maybe you have harboured a friend or someone else in your house in the past, now this is another of our excuses to ask for money from friends.

Simply remind your friends that you are passing through several difficult moments, and you can’t pay your rent. You can use dark psychology here to achieve this.

This type of excuse is good for smaller figures like $100, $120, or slightly lower. Since you want to complete your rent, you can get from many friends as possible. That way, when you combine the total, you can have something tangible.

Hey [friend’s name],

I hope you’re doing well. I’m currently having trouble paying my rent and I’m in need of some financial assistance. I don’t need all the amount; I just need as little as $50 from you. Please help me as I have no option again.

If you’re able to help out with any amount, it would be greatly appreciated. Please let me know if you need more details.

Thanks in advance for your help.


[Your name]

Excuse 6: Non-payment of Income

I have used this a couple of times, and it has worked several times.  When I used it, I inform my friends that I executed a project for someone, and they backtracked instead of paying my money.

I go ahead to inform them that I had already budgeted the money for feeding and upkeep, and right now, I am stranded.

Following up, I will request a simple amount to keep me alive and going till we sort out that issue.

Here’s a sample for use:


Hi bro,

Sorry for disturbing man. I am in serious sh*t, and I need any help I can get at the moment. I worked for someone, who promised to pay me $500, and right now, he isn’t paying. I had already prepared my mind to use the money for my upkeep and other stuff.

Can I get like $50 from you, please I need to survive and sort some other stuff out. I will be so grateful if you help me.


This is one of the simplest excuses to ask for money from friends. You can modify it to suit your condition better.

What’s the best way to ask a friend for money?

The best way to ask a friend for money is physically, especially when you are outside together or drinking. That way, they can sense your emotions properly and make it a priority to help out.

When you send a text message, you may not be passing through enough emotions. This means that your request is very likely to be turned down.


Remember that you should never use vain things as an excuse to ask for money from friends. When requesting money from your friends, always find tangible excuses.

Also, start with smaller amounts, so that they can feel comfortable giving you the money without expecting you to pay it back.

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}