Difference between 借 and 贷
We don't usually say 贷钱, but we do say 贷款 a lot, which is a more official way of saying 借钱. For example,


  If you borrow money from your friend, you 借钱 from your friend.


In this case it's more casual, and the amount of money is usually not too much.


  If you go to the bank for a loan, you 贷款 from the bank. 


In this case it's more official, and the amount of money is usually a lot.

So in general, 借 and 贷 have very similar meaning, but can be used in different phrases for different context.