Is it permissible to lie in order to avoid the borrower's procrastination in returning what he borrowed?

Lending is permissible and is a form of benevolence. It is defined as granting ownership of a benefit or permitting the use of a benefit. It is subject to the five rulings: obligation, prohibition, detestability, permissibility, and recommendation. The default ruling for it is recommendation. However, it may become obligatory if withholding the loan leads to destruction, or it may become prohibited if it assists in an act of disobedience. A person is not obliged to lend to someone they are not required to, and one can politely decline or equivocate without resorting to lying.