Using a Borrower's Item Without Permission

I want to use a friend's item without his permission, and I know he would agree even if I hadn't lent him a large sum. However, I did lend him a large sum. Is there a problem with this?

It is forbidden for a lender to use the borrower's items without the borrower's permission, even if it is known that the borrower would agree to it even without the loan. However, if it is with the borrower's permission, and he would agree even without the loan, it is permitted.

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