'One' or 'it'

I know the basic usage of "one" and "it", but in the following situation, which is correct?

You need a quarter to buy a drink or something but you don't have one, so you're asking a friend next to you to spare you a quarter.

A: If you have a quarter, could you lend me one?
B: If you have a quarter, could you lend it to me?
C: If you have a quarter, can I borrow one?
D: If you have a quarter, can I borrow it?

I have an impression "one" is better, unless both the speaker and the listener refers to the only quarter the listener might have, which is not often the case.

Is there any other more natural way of asking?

Thank you

Apple
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