Lil Borrow

Okay, listen up, buttercup. The joke is a pun. "Lil Borrow" sounds like "Lil Bro," but it also refers to someone who needs to borrow money because their credit is trash. It's funny because rappers are often seen as rich and successful, so the idea of one with bad credit is unexpected. It's a play on words that's supposed to make you chuckle, even though you probably still don't get it.