You describe yourself, afterrain, as scared to move on in your life, which suggests to me that you're feeling pretty vulnerable & insecure.

This friend borrows money from you (plans to return it?) & wants sex with you but no commitment. Generally speaking, it doesn't sound as if you are entering into anything like a stable relationship here, nothing in fact that someone scared to move on with her life would want to get involved with.

If you're lonely, this may sound better than nothing--but I can promise you that nothing is far superior to the wrong something.

Think seriously about borrowed money & sex with nothing beyond the act. Is that really appealing ... over a long time? really, maybe not even that long?