The auspicious weekdays for the purpose of borrowing money are Sunday, Monday, Wednesday, Thursday and Friday. Tuseday and Saturday must be avoided. The inauspicious tithis for this purpose are the Rikta tithis, the 4th 9th and 14th, and hence these tithis must be avoided for borrowing money.
The auspicious nakshatras for this purpose are Ashwini, Pushya, Swati, Shravana, Shatbhisha and Abhijit. The inauspicious nakshatras which must be avoided for this purpose are Krittika, Punarvasu, Mooia and Dhanistha.
Samkranti days and Amrit Siddhi Yoga of Sunday and Hasta nakshatra should be avoided on religious grounds; otherwise there may be difficulty in the repayment.
Apart from all the above conditions the conjunction of Moon with Mars or Saturn must be avoided in the Muhurta chart while borrowing money. Moon must be placed in friendly relationship with the lord of the Ascendant and the planet Mercury in the Muhurta chart.