“Neither a lender nor a borrower be”- transactions with the fairies

Cloke baskets

Despite the apparent strength of the fairy economy, with its markets, agriculture and manufacture, as well as an apparent abundance of money, the Good Folk are still often portrayed in folklore accounts as dependent for many basic items of food or equipment upon their human neighbours. Shortages of provisions may reflect fluctuations in the availability of homegrown produce, but the seeming lack of basic utensils is more puzzling.  It is a regular feature of traditional accounts for fairies to approach humans to request the temporary load of an implement or of a small quantity of some foodstuff.

Loans to the faes

Part of the purposes of loans may be to establish a relationship of reciprocity between the two parties, which may then lead to other requests.  In one case, for instance, a very grand ‘fairy queen’ dressed in green came begging for oatmeal, something she repaid with the very best quality meal at the promised time.  It seems, though, that this may have been a preliminary to asking to use the lender’s water mill for grinding the fairy corn.  Something similar happened to a cottager living at Airlie in Angus-shire.  She was visited by a mysterious old woman asking to borrow salt one day, although the cottage stood alone with no neighbouring homes in sight.  The little woman regularly visited after that, borrowing and lending a variety of small articles and then disappearing behind a tree outside.  Eventually, the housewife was outside the cottage one day pouring away the household waste when the sith woman appeared again- but this time to ask her to tip her water elsewhere as it presently was running into the hollow by the tree where she lived. A very similar story was told on the Isle of Man, in which the relationship and obligations established through a loan of meal- and its repayment with an inexhaustible supply of meal wrapped in a cloth- culminated in a request that the farmer change around the way his cows were stabled in the byre, putting their troughs where their tails had been and so preventing their waste running down into the fairies’ home beneath.

As just seen in the Airlie case, a regular feature of these experiences is the sudden and unexplained appearance of the fairy borrower.  This reflects the invisible or hidden nature of most fairy homes.  The fae might suddenly vanish into the air or disappear into an unlikely location, such as down a hole or into a lake.

Why loan to the faes?

Whatever their reasons, fairies will frequently enter human homes seeking a loan.  Amongst the items borrowed have been salt, griddles, kettles, flour and oatmeal. Besides pure good neighbourliness, why should humans comply?  There are several very sound reasons.

Firstly, there is pure self-interest, in that not only are these loans returned, but they are always repaid, often several-fold.  As with all fairy gifts, these should never be rejected nor looked at askance.  A Kirkcudbrightshire family lent oatmeal to a fairy and received meal back in due course.  Everyone in the household was happy to eat this fairy food, except for one boy who worked as a farmhand- and he died shortly afterwards.  This case suggests that much of the lending to fairies is undertaken not out of a spirit of generosity, but in fear of the consequences of refusing a loan.


John Bauer, A troll (tomte), 1909

The recompense may be especially great if the person who lends is themselves deprived or inconvenienced in some way.  A faery woman visited a Highland home and asked for a cup of flour.  Even though supplies were low, as it was nearly time for the new harvest, the housewife gave her visitor what she asked for- and in return was granted a never-ending supply of meal.  The person who refuses to lend, particularly where they are very capable of helping, will end up with nothing.

Another motive, undoubtedly, is what the result of refusal may be.  A woman in Sutherland was visited by a fairy woman asking for the loan of a ‘lippie’ of meal (a lippie is a measure of dry goods like grain, and is one quarter of a peck).  Just as the housewife was about to hand some over, they both noticed that the corn drying kiln on the nearby hillside was ablaze.  The sith woman then told her the loan was no longer necessary, for she would soon have plenty (because what was destroyed would come to her.  Whether or not the fire was deliberately started by the sith folk is not clear).

Charms when loaning

In poor agricultural communities where food is in short supply and assets are limited, there may be understandable reluctance to part with goods, even for a short time.  One resolution to this was tried by a woman on Sanntraigh.  She had a very useful kettle (cooking pot) and a sith woman used to visit regularly to borrow it.  She wouldn’t speak, but would simply walk in and take the item.  The housewife, in response, would say:

“A smith is able to make/ Cold iron hot with coal./ The due of a kettle is bones,/ And to bring it back again whole.”

The sith woman would always return the kettle the next day, full of flesh and bones.  This arrangement continued happily for a long time, until one day the wife had to go away for a day and left her husband at home.  He was told what to say when the fairy visitor arrived, but in the event, he panicked and locked the door against her.  The sith woman had the pot anyway, making it fly out of the smoke hole in the roof.

After she returned home and found out what her husband had down, the wife was not pleased and she wanted her property back.  Angrily she went to the nearby knoll to recover her cooking pot.  The door was open and she walked in and picked it up, full of the remains of the faes’ last meal.  They set the dogs on her though, and whilst she managed to get home uninjured, she had to tip out all the contents along the way to distract the hounds.  The sith woman never came borrowing after that day and the family lost its supply of free meat.

The risks of faery loans

The fairies can be peremptory and intrusive, nonetheless, simply walking into houses unannounced and uninvited and helping themselves.  In one Scottish story a housewife was troubled by faery women suddenly appearing at her cottage asking to borrow items or, unbidden, undertaking household tasks for her, such as spinning wool into thread.  This became very tiresome and, on advice from a local wise man, the decision was made to demolish the house and rebuild it elsewhere.

Removing yourself from the faes is probably the best course of action: in one Welsh case a woman lost her temper with faes who kept coming to her house to borrow kitchen implements.  She demanded that they grant her two wishes in return for the item they wanted.  They agreed  and she asked that, when she awoke, the first item she touched would break (she wanted to get rid of a projecting stone in her wall) and the second would lengthen (she wanted to extend a roll of cloth she had). The faeries gave her exactly what she’d asked for- but the wishes didn’t come true as the woman had planned: the next morning the first thing she touched was her ankle, the second her nose.

Loans from the faes

Loans in the other direction are very rare indeed.  In the Airlie case mentioned earlier, a familiar pattern of mutual loans seems to have developed.  The only instance in which fairies habitually lent to humans was that of the Frensham cauldron, described by John Aubrey.  This unusually large pot could be borrowed by anyone in need, simply by going to the right spot and asking, at the same time specifying why it was needed and when it would be handed back.  Ultimately a borrower failed to restore it on the appointed day and the fairies refused to take it back.


The faery economy is far more complex and nuanced than we might at first suppose.  They have a full range of productive and commercial institutions, but there seem to be items that they cannot make, or choose not to make.  The latter explanation seems more likely; they live amongst human kind and, whether for neighbourly reasons or because they wish to have a measure of influence over us, they elect to create relationships of obligation and reciprocity between us.  We are then bound into their society then and subjected to their rules- which is just what they want.  There’s no need to wield magic to have control over the humans…

See too my detailed discussion of this subject in my 2021 book How Things Work in Faery.

2 thoughts on ““Neither a lender nor a borrower be”- transactions with the fairies

  1. One can see in this tradition a reflection of the importance of reciprocal gift giving in past societies. When people depended on each other for basic survival, no one was expected to simply give something away without something in return. This was also important for establishing peace between potential enemies, and one possible explanation for why the fae are sometimes referred to with the euphemism “People of Peace”.

    Liked by 1 person

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