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How to Ask a Man for Money Over Text Download Article Be straightforward and polite as you ask a guy for cash Explore this Article IN THIS ARTICLE 1 Be upfront about why you’re asking. 2 Specify how much money you need. 3 Tell them when you need the money. 4 Suggest how to send you the money. 5 Note when you’ll pay them back. 6 Put it in writing if you’re asking for a large sum. 7 Drop some hints first if they owe you money. 8 Be calm and direct if you're asking to be repaid immediately. + Show 5 more... - Show less... Other Sections Tips and Warnings Related Articles References Co-authored by Benjamin Packard and Marcus Pruitt, BS
Last Updated: September 19, 2025 Fact Checked
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This article was co-authored by Benjamin Packard and by wikiHow staff writer, Marcus Pruitt, BS. Benjamin Packard is a Financial Advisor and Founder of Lula Financial based in Oakland, California. Benjamin does financial planning for people who hate financial planning. He helps his clients plan for retirement, pay down their debt and buy a house. He earned a BA in Legal Studies from the University of California, Santa Cruz in 2005 and a Master of Business Administration (MBA) from the California State University Northridge College of Business in 2010. There are 7 references cited in this article, which can be found at the bottom of the page. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 558,493 times.
Asking for money can be a little awkward, especially if you have to do it via text. We totally get that! Luckily, there are a few simple things you can do to make the process go as smoothly as possible. If you want to learn more about asking for money via text, whether you're looking for a loan or for someone to pay you back the money they borrowed, read on for useful tips and examples of exactly what to say.
How to Ask a Guy for Money Over Text
Be honest about why you’re asking.
Tell them how much money you need.
Tell them when you’ll need the money.
Let them know the best way to send the money.
Tell them when you plan to pay them back.
If you need a large sum of money, come up with a payment plan.
If you need the money ASAP, calmly explain how urgent the situation is.
Steps
1
Be upfront about why you’re asking.
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They're more likely to give you money if you explain what it’s for. Since you know this person well enough to have their phone number, they’re probably a friend, coworker, or family member, right? These folks are likely to be sympathetic to your situation. Briefly explain why you need the money and what you’re spending it on.[1]XResearch source For example:
"Hey Vic! I hate to ask, but I’m in a bind. My energy bill is due Friday and I don’t get paid until the 30th. Can you loan me some money?"
"Hi Uncle Phil! I didn’t budget enough money this month for my textbooks and school starts next week. Can you help me out?"
"Lukas! So this is so embarrassing—I just finished eating at a restaurant and when I went to pay, I realized I left my wallet at home. Can you Venmo a few bucks?"
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Specify how much money you need.
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If you're vague, they may think you’re taking advantage of them. Don’t beat around the bush! If you ask them for “some money” or vaguely say “it’s for rent” without noting an exact sum, they’ll probably feel like you’re trying to milk them for a handout. And if they have to ask, “Well, how much do you need?” you can be sure they’re cringing! Specifying the amount makes this easier for both of you.[2]XResearch source You might say:
"My rent this month is $875 and I’m $200 short."
"The cashier said the total for my textbooks is $134.24."
"I just need $20 to cover this meal and I’m good!"
3
Tell them when you need the money.
Download Article
Give them a deadline if it’s urgent or if you’re asking for a large sum. The more convenient you make this for them, the better! If you need to borrow more than a couple hundred bucks, try to give them some advance warning so they’ll have a chance to get the money together. If you need help paying a bill, let them know the due date. And if you literally need cash right now, make that very clear. A few examples for you:
"Rent is due on the 1st, so I’d need the money in 2 weeks."
"The due date on my bill is October 24th. Can you get me the money by then?"
"This is urgent tbh—the waiter is literally asking me to pay the tab right now lol."
Advertisement 4
Suggest how to send you the money.
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Propose a couple of options to make it easy for them. You’re already asking for money, so be clear about the best way to get it to you. This depends on your specific situation, of course, but giving them more than one option is always good (if possible). If there’s only one option, though, be super clear about that. For example:
"Would you mind making the check out to Gaslight Square Apartments? That way, you can mail it directly to my landlord."[3]XResearch source
"Can you Venmo the money now? Or give your CC to the cashier? She's standing right here."
"I can drop by and grab a $20 bill if you aren’t busy. I appreciate it!"
5
Note when you’ll pay them back.
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They’re more likely to give you the money if you promise to repay it. If you're asking for $100 or less from a family member or loved one, they may not be concerned about whether you pay them back. You should definitely still offer, though! If you’re asking for a significant amount of money, most people will feel more comfortable if you tell them exactly when they can expect repayment.[4]X Trustworthy Source Consumer ReportsNonprofit organization dedicated to consumer advocacy and product testing Go to source You might say:
"I get paid next Friday, so I can repay the $200 on that day."
"I can't repay the full amount in a lump sum, but I can do $100 every month until my debt is paid off."
"If you can Venmo the cash now, I’ll pay for your meal when we go to dinner this Sunday!"
Advertisement 6
Put it in writing if you’re asking for a large sum.
Download Article
Draft a document that details your repayment plan to put them at ease. Asking for a large amount of money can be pretty awkward, especially if you know it's going to take a while to pay it all back. You can reduce the weirdness by offering to draw up a payment plan, complete with due dates and installment amounts.[5]XResearch source For example:
"I get paid every other Friday, so I can send you $100 via PayPal every time I get paid. I'll pay the first installment next Friday. If we stay on that schedule, you'll be repaid in full by Feb 24. Does that work?"
Since you’re requesting money via text, tell them you’ll email the document to them in a few minutes. They can look it over and agree before sending money.[6]XResearch source
If you have a large sum of money that you need to pay off, financial advisor Benjamin Packard says to pay it off in small, periodic increments.[7]X Expert Source Benjamin PackardFinancial AdvisorExpert Interview
7
Drop some hints first if they owe you money.
Download Article
Try this if your friend owes you and you'd rather not confront them. Asking a friend to pay you back is a bit awkward! If the day they promised to pay you back has already passed, try to give your friend the benefit of the doubt (maybe they forgot).[8]XResearch source Before making demands, try dropping a few hints like:
"I can’t come out to the club tonight, tbh. I’m totally broke."
"My rent is due next week and I’m short. What should I do?"
Advertisement 8
Be calm and direct if you're asking to be repaid immediately.
Download Article
Explaining the urgency can soften the request a bit. Even if you're super annoyed with your friend at this point, demanding “I need that $50 you owe me and I need it now!” is probably not the best way to go. Try a calm approach so your friend feels sympathetic to your situation.[9]XResearch source For example:
"I’m sorry to ask, but I really need the $50 you owe me so I can pay my CC bill. It’s due in a week..."
"Can you help ya girl out? My car note is due on Friday and I’m short. If you can repay that $100 you owe, I’ll be able to pay my note on time. :)"
To be direct without actually having to confront them, send them a money request via PayPal. That might do the trick![10]XResearch source
Expert Q&A
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Tips
If you’re embarrassed to ask, that’s okay! Money problems are nothing to be ashamed of. Kindly ask and if he says no, move on. Thanks Helpful 13 Not Helpful 0
Instead of trying to beat around the bush, just ask! He won’t know that you need money unless you ask him. Thanks Helpful 2 Not Helpful 0
Before asking a guy for money, make sure he has money to give. Thanks Helpful 5 Not Helpful 1
Submit a Tip All tip submissions are carefully reviewed before being published Name Please provide your name and last initial Submit Thanks for submitting a tip for review! Advertisement
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Co-authored by: Benjamin Packard Financial Advisor This article was co-authored by Benjamin Packard and by wikiHow staff writer, Marcus Pruitt, BS. Benjamin Packard is a Financial Advisor and Founder of Lula Financial based in Oakland, California. Benjamin does financial planning for people who hate financial planning. He helps his clients plan for retirement, pay down their debt and buy a house. He earned a BA in Legal Studies from the University of California, Santa Cruz in 2005 and a Master of Business Administration (MBA) from the California State University Northridge College of Business in 2010. This article has been viewed 558,493 times. How helpful is this? Co-authors: 8Updated: September 19, 2025 Views: 558,493 Categories: Texting In other languages Indonesian Vietnamese German Thai Dutch Spanish Portuguese Turkish Chinese French Japanese Italian Arabic Hindi Czech
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Download Article Be straightforward and polite as you ask a guy for cash Explore this Article IN THIS ARTICLE 1 Be upfront about why you’re asking. 2 Specify how much money you need. 3 Tell them when you need the money. 4 Suggest how to send you the money. 5 Note when you’ll pay them back. 6 Put it in writing if you’re asking for a large sum. 7 Drop some hints first if they owe you money. 8 Be calm and direct if you're asking to be repaid immediately. + Show 5 more... - Show less... Other Sections Tips and Warnings Related Articles References Co-authored by Benjamin Packard and Marcus Pruitt, BS 
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Co-authored by: Benjamin Packard Financial Advisor This article was co-authored by Benjamin Packard and by wikiHow staff writer, Marcus Pruitt, BS. Benjamin Packard is a Financial Advisor and Founder of Lula Financial based in Oakland, California. Benjamin does financial planning for people who hate financial planning. He helps his clients plan for retirement, pay down their debt and buy a house. He earned a BA in Legal Studies from the University of California, Santa Cruz in 2005 and a Master of Business Administration (MBA) from the California State University Northridge College of Business in 2010. This article has been viewed 558,493 times. How helpful is this? Co-authors: 8 Updated: September 19, 2025 Views: 558,493 Categories: Texting In other languages Indonesian Vietnamese German Thai Dutch Spanish Portuguese Turkish Chinese French Japanese Italian Arabic Hindi Czech 
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535 
They're more likely to give you money if you explain what it’s for. Since you know this person well enough to have their phone number, they’re probably a friend, coworker, or family member, right? These folks are likely to be sympathetic to your situation. Briefly explain why you need the money and what you’re spending it on.[1] For example: 
If you're vague, they may think you’re taking advantage of them. Don’t beat around the bush! If you ask them for “some money” or vaguely say “it’s for rent” without noting an exact sum, they’ll probably feel like you’re trying to milk them for a handout. And if they have to ask, “Well, how much do you need?” you can be sure they’re cringing! Specifying the amount makes this easier for both of you.[2] You might say: 
Give them a deadline if it’s urgent or if you’re asking for a large sum. The more convenient you make this for them, the better! If you need to borrow more than a couple hundred bucks, try to give them some advance warning so they’ll have a chance to get the money together. If you need help paying a bill, let them know the due date. And if you literally need cash right now, make that very clear. A few examples for you: 
Propose a couple of options to make it easy for them. You’re already asking for money, so be clear about the best way to get it to you. This depends on your specific situation, of course, but giving them more than one option is always good (if possible). If there’s only one option, though, be super clear about that. For example: 
They’re more likely to give you the money if you promise to repay it. If you're asking for $100 or less from a family member or loved one, they may not be concerned about whether you pay them back. You should definitely still offer, though! If you’re asking for a significant amount of money, most people will feel more comfortable if you tell them exactly when they can expect repayment.[4] You might say: 
Draft a document that details your repayment plan to put them at ease. Asking for a large amount of money can be pretty awkward, especially if you know it's going to take a while to pay it all back. You can reduce the weirdness by offering to draw up a payment plan, complete with due dates and installment amounts.[5] For example: 
Try this if your friend owes you and you'd rather not confront them. Asking a friend to pay you back is a bit awkward! If the day they promised to pay you back has already passed, try to give your friend the benefit of the doubt (maybe they forgot).[8] Before making demands, try dropping a few hints like: 
Explaining the urgency can soften the request a bit. Even if you're super annoyed with your friend at this point, demanding “I need that $50 you owe me and I need it now!” is probably not the best way to go. Try a calm approach so your friend feels sympathetic to your situation.[9] For example: 
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