I don't think it's rude but, then again, my own sister tried to borrow money from me a couple of months ago. We're not on bad terms, but we do barely speak (just for family events; we live about 6-7 hours apart). I received a text one night asking me for $200 and that she gets paid on 10/29. I was aghast. First, she couldn't be bothered to call me. Second, she didn't even explain what she needed it for. Finally, I didn't even know if it were her for sure, but I did receive follow-up texts identifying the sender as her (still no guarantee it was her). I figured if she needed the money that badly, she would call me directly (never happened and I know she's very fond of shopping so it's possible she just wanted to hit a sale or it was never her at all). However, I'm still not inclined to loan money to anyone not a regular part of my life. In any case, the only money I had at the time was tied up in my wedding savings, and no one's getting a loan out of that (and it's not just my money but mine and DF's to which we've both been contributing). We already postponed our wedding one year in order to have more time to save money. I'm not going to make the situation worse by making our wedding savings an option for loans to others. I think you were fine.