Two keys, one home
Borrowing from C minor is one case of a bigger idea: modal interchange. Every parallel mode of C (C minor, C mixolydian, C dorian, and the rest) shares the same tonic, so every one of their chords is on loan whenever you want it. Home stays the same. Only the chords on loan change.
The saddest chord in pop: iv
Lower IV's middle note a half step and it turns minor: the borrowed iv, pop's favorite heartbreak move. It's in a thousand ballads, and in Radiohead's Creep.
The borrowed v
Even V has a borrowed replacement. Minor v keeps the motion but loses the pull home: reflective instead of insistent. Mixolydian lends it (alongside bVII).
Where the loans come from
C minor lends iv, bIII, bVI, bVII; C mixolydian lends v and bVII. Each button plants the loan between two I chords, so you hear the visit and the return.
Quiz
1 / 3Modal interchange means…