If you need a personal loan (e.g. renovations), do you approach your family (or friends) first, or do you prefer to draw the line by borrowing from the bank?

I will never borrow from friends unless it's a small amount and I can return them the money within the week (nowadays it can be within the hour because of PayNow). Mixing money with friends is like mixing alcohol with driving to me.

I don't think I will borrow from my family either... my parents have done enough by raising me (well!) and now I'm able to earn my keep. Feels inappropriate to rely on them like this. Furthermore, things may get messy if you forget to pay back. If you borrow from your family, are you going to pay them interest? Kinda unfair if you don't.​​​