The word "accepts loan of" can be paired with several antonyms, including "declines," "refuses," "rejects," "gives," and "lends." When somebody declines a loan, they are choosing not to accept the funds offered to them. Refusing a loan means that someone is explicitly saying that they don't want the loan. Rejecting a loan goes one step further and implies that the loan is not suitable for the individual. On the other hand, giving a loan means that somebody is providing funds to another party. Lastly, lending a loan means that someone is giving money to another party with the expectation of being paid back at a later time.