Nie lubię pożyczać ci pieniędzy.

A useful word-by-word breakdown is:

• nie = not
• lubię = I like
• pożyczać = to lend / to borrow, depending on the structure
• ci = to you
• pieniędzy = money, in the genitive plural form

So the structure is basically:

I do not like + lending you money

Even though the exact English translation is already known, this helps show how the Polish sentence is built.

Lubię is the 1st person singular present tense form of lubić, which means to like.

So:

• lubić = to like
• lubię = I like
• nie lubię = I do not like

This is why the sentence means that I do not like doing something.

In Polish, nie is normally written as a separate word before a finite verb.

So:

• lubię = I like
• nie lubię = I don’t like

That is standard Polish spelling. A learner often wants to join them together because English uses forms like don’t, but Polish does not do that with verbs.

Because Polish infinitives do not need a separate word like English to.

In English:

• to lend

In Polish:

• pożyczać

The infinitive meaning is already built into the verb form itself. So after lubię, Polish simply uses the infinitive directly:

• Lubię czytać = I like to read / I like reading
• Nie lubię pożyczać = I don’t like to lend / I don’t like lending

Here it means lend.

That is because the pattern is:

• pożyczać komuś coś = to lend someone something

In this sentence:

• ci = to you
• pieniędzy = money

So the meaning is to lend money to you.

If you wanted borrow, Polish usually shows where it comes from:

• pożyczać coś od kogoś = to borrow something from someone

For example:

• pożyczać pieniądze od ciebie = to borrow money from you

So ci tells you this sentence is about lending to you, not borrowing from you.

Ci is the dative form of ty.

In this sentence it means to you.

The verb pattern is:

• pożyczać komuś coś
  = to lend someone something

So Polish uses:

• dative for the person receiving the thing
• accusative or, under negation, often genitive for the thing being lent

Here:

• ci = dative, the receiver
• pieniędzy = the thing being lent

Both come from ty, but they are used differently.

• ci is the normal unstressed form
• tobie is the fuller, stressed form

In a neutral sentence, ci is the natural choice:

• Nie lubię pożyczać ci pieniędzy

If you want emphasis or contrast, you might use tobie:

• Nie lubię pożyczać tobie pieniędzy, ale jemu tak
  = I don’t like lending money to you, but I do to him

So ci is neutral; tobie is more emphatic.

Because after negation, Polish often changes the direct object from accusative to genitive.

Compare:

• Lubię pożyczać ci pieniądze = I like lending you money
• Nie lubię pożyczać ci pieniędzy = I don’t like lending you money

In the positive sentence, pieniądze is the expected form. In the negative sentence, pieniędzy is very common and standard.

So this is a classic example of genitive after negation.

Grammatically, pieniądze is plural.

Polish treats money as a plural-only noun in normal use.

So:

• nominative/accusative: pieniądze
• genitive: pieniędzy

Even though English uses singular money, Polish uses plural forms. That is why pieniędzy is literally a plural form, even though the English translation is still just money.

Because lubić usually talks about a general activity or habit, and for that Polish normally uses the imperfective verb.

• pożyczać = imperfective, ongoing/repeated/general
• pożyczyć = perfective, one completed act

So:

• Nie lubię pożyczać ci pieniędzy
  means I do not like doing that in general

Using pożyczyć here would sound unnatural in this kind of general statement, because perfective verbs usually point to a single completed event.

If you were talking about one specific occasion, Polish would often use a different structure, for example:

• Nie chcę ci pożyczyć pieniędzy = I don’t want to lend you money

Yes, Polish word order is fairly flexible, but not every order sounds equally natural.

The version you have:

• Nie lubię pożyczać ci pieniędzy

is neutral and natural.

Why it works well:

• nie directly negates lubię
• ci is a short unstressed pronoun, so it stays in a light, non-emphatic position
• pieniędzy comes after that as the thing being lent

You may hear other orders in real speech, but they usually change emphasis or rhythm. For a learner, the given order is an excellent standard model.

It can correspond to both in English.

Polish often uses:

• lubić + infinitive

where English can use either:

• like to do
• like doing

So:

• Nie lubię pożyczać ci pieniędzy
• I don’t like to lend you money
• I don’t like lending you money

In natural English, I don’t like lending you money is often the most idiomatic translation, but grammatically the Polish structure covers both ideas.