Занимает, кланяется; а отдает, так чванится

When borrowing, people are polite, but when they have to pay their debt, they become rude. See В долг давать - дружбу терять (B)

Cf: Не borrows like an angel and pays back like the devil himself (Am.). Не who likes borrowing dislikes paying (Br.). Lend money and you get an enemy (Am.). Quick to borrow are always slow to pay (Am., Br.). When I lent I had a friend, when I asked he was unkind (Br.)