From:
The words people use say a lot about their personalities, emotions, and thinking. And the ones they use when asking to borrow money, it turns out, also says a lot about whether they are likely to pay others back.
According to a new study, borrowers who try to appeal to their prospective lenders’ emotional side—by mentioning God, divorce, or the needs of family members, for example—are less likely to fulfill their loan obligations (something to keep in mind when our buddies or family members try to mooch off of us).