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類語例解辞典 says [使い分け] 【1】「貸す」は、一般的に広く用いられる。 【2】「貸し出す」は、公共機関や店が、そこの所有物を一時的に、そこから持ち出すことを認める意。また、銀行などの金融機関では金銭についてもいう。 Namely, the difference is that 貸し出す is used when some sort of organization, store, or bank is doing the lending. (If this is accurate, I don't think 貸す and 貸し出す are parallel to "lend" and "lend out" in English, where I think the only ...

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