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Text and translation
English translation
2424. Ismâ'il bin Ibrâhim bin 'Abdullâh bin Abi Rabî'ah Al-Makhzumi narrated from his father, from his grandfather, that the Prophet ﷺ borrowed thirty or forty thousand from him, when he fought at Hunain. When he came back he paid back the loan, then the Prophet ﷺ said to him: "May Allâh bless your family and your wealth for you. The reward for lending is repayment and words of praise." (Hasan)
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Commentary
It is allowed and legal to borrow at the time of need.
Making the repayment with the best manners, means to make the repayment in time, and according to the promise.
Giving a better thing in repayment is a sign of decent manners, it is legal and allowed, but to decide it before taking, or giving the loan is usury, which is a great sin.