I agree. This sadly sounds pretty one sided.
I think if she says she needs space, I'd just leave her alone. good luck
Ask yourself this............Why would you want to be friends with someone who: 1. Comes around when she needs something, e.g. money?
2. Doesn't really talk with you
3. Avoids you most of the time
If this is all you require of a "friend," then you don't really value yourself very much. She is pretty much using you because you are allowing this.
I would recommend cutting ALL ties with her and surrounding yourself with people who value you.