Timely return of a loan makes it easier to borrow a second time.

解释 ( paraphrase )
借了别人的东西，如果能做到按时归还，下次在再借就容易借到了。
这条谚语告诉我们：哪怕是借东西这种小事情，也要注意讲信誉守信用。

This proverb indicates that even in such a trivial matter as a loan, keeping one’s word to the letter is necessary if one wants to have smooth dealings with others.

造句 ( example )
俗话说“有借有还,再借不难”。良好的信用记录对个人最大的好处就是为个人积累信誉财富。