Articles tagged “lending money to family 2026”

The IRS treats loans over $10,000 to family without interest as gifts. The 2026 gift tax annual exclusion is $19,000 per person. Intra-family loans require AFR interest rates. Here is how to handle family money requests without going broke.

30-40% of family loans go unpaid. Here is how to help family members without destroying your finances, with a 7-question framework and IRS loan rules.