Christian Lenders | Should Lending Be Abolished?

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This week I’m continuing to think through the implications of the statement: the borrower is slave to the lender.  How does this impact Christian loans and Christian lenders?

Perhaps, I’m wrong, but taken at face value, this passage (Prov. 22:7) seems to indicate that any Christian who lends would then be a master.  Since the Bible says we have only one master, then it seems as if it would be wrong to lend because we would be making ourselves masters over others.  Why would any Christian want to put another person into bondage?  We have been set free by Jesus Christ so there is no reason to once again subject ourselves or another to bondage.  Could we read Romans 6:1-4 and apply that to Christian lenders, bondage, and borrowing?

Why don’t we attack Christian lenders with the same passion as we would human slave masters?

And I do continue to lend money.  I lend money because I think the Bible says it can be an act of kindness.

How Christian Lenders and Loans is a Gracious Act

  • Rather be openhanded and freely lend him whatever he needs. (Deuteronomy 15:8 NIV)
  • They are always generous and lend freely; their children will be blessed. (Psalm 37:26 NIV)
  • Good will come to him who is generous and lends freely, who conducts his affairs with justice. (Psalm 112:5 NIV)
  • And if you lend to those from whom you expect repayment, what credit is that to you? Even ‘sinners’ lend to ‘sinners,’ expecting to be repaid in full. (Luke 6:34 NIV)

These passages seem to indicate that helping others through a loan is a function of God’s social justice.  Christian lending can indeed be an act of compassion.

Two Types of Christian Lending In the Bible

How can the Bible, on one hand, have so many negative things to say about borrowing and then, on the other hand, have anything positive to say about lending?

The reason is because of greedy lending.  This is one where people take advantage of the poor (Ps 112:5), charge excessive rates (Ezk. 18:13), and take away items essential for life (Ex. 22:26).  Compassionate lending is the opposite.

How Christian Lenders Can Loan As An Act Of Kindness

  1. The nature of the loan itself – are the terms and rates reasonable?
  2. The nature of the one who offers the loan – is the lender flexible, compassionate, and concerned about the needs of the borrower?
  3. The nature of laws – does the law give any right to the lender?
  4. The nature of need – is the item borrowed worth the risk of borrowing?

Therefore, in these cases I would say the borrower is not slave to the lender, but the lender is servant to the borrower.  This is a rare and countercultural type of helping.  This is the very type of lending that God encourages his people do.  Ultimately, when the Bible speaks against lending and borrowing, it is doing so without compassion and excessive borrowing is the focus.

My Personal Example

I have one outstanding debt – a house loan.

But, I didn’t get my loan through a regular financial institution.  Living overseas, I would have been looking at a 10+% loan to buy a home.

Seven families I know banded together and offered my family a loan to buy a home.  I viewed and still view that loan as an act of kindness.  Basically because it conforms to the conditions where lending can be kindness.

That loan is a blessing to my family.

Do you think lending can ever be a blessing?  If lending can be a blessing, can there ever be a situation where you lend to someone and you do not enslave them?


  1. says

    @Financial Bondage
    This is where I get really confused. One who borrows is in slavery and the one who lends is innocent. How is that possible? Shouldn’t the one who enslaves be held responsible? Or are lenders really enslaving people?

  2. Gholmes says

    @Craig. I didn’t read that Financial Bondage was saying the lender was innocent. Usury is denounced in those passages, now how do you define usury. In the strict form that usury = to interest? or that usury is outrageous interest charges and fees? If you take certain passages out of context you can support each one sided view.

    Greed and coveting is sin. Lending with motives of greed/covetousness is sin. This is a heart matter not actions. I dont think you can say debt or lending is sin in itself, you have to judge the heart and only God can do that.

    When I look at my local church family I see more borrowers than lenders. Folks that could be doing more but are heavily in debt with house, 2 car payments, college loans, christian school tuition, annual vacations, rv’s all worried because the economy is going south. Now how much peace would those familys have if they had been taught that debt is like “slavery”. My covetousness put me in that bondage and years ago I lost sleep over my stupidity, I see my same brothers and sisters enslaved like I was and I want to shout you can get out of debt. Dont buy into the lies of advertisers and the generations values.

    In biblical times if I was making payments to the lender was I his/her slave? Not if my crops were good and I paid him back I wouldn’t be his slave.

  3. says

    I truly hope that lending can bless rather than enslave. Our developmental ministry includes a no-interest micro-lending program for poor small-business entrepreneurs. The philosophical pillar on which the program stands is _empowerment_, and I would say in fact that I connect this deeply with the idea of a holistic liberation–in this case, liberation from economic systems that perpetuate not simply poverty but dependance and inaccessibility of resources. Anyway, the short of it is that a loan is more empowering (and therefore more liberating) than a handout, because through repayment the borrower attains a sense of real ownership and achievement (which is as or more valuable than the actual cash value). In an economy where a small-business loan carries at least a 40% interest rate plus late payment fines, this is a powerful tool. Loans are also more sustainable (another of our basic tenets) because the repayment can be recycled into other loans (a la Kiva) whereas handouts are much more limited resources. How would this sort of ministry interact with your ideas? This is a thought-provoking post. Thanks.

    On an exegetical note, I wouldn’t understand Proverbs to be universal dictums–as the variety of perspectives represented within the book itself would suggest. I’m guessing you say something about that elsewhere, though.

    • says

      Thanks for the comment, experience, and perspective.
      As I read your comment I think you ‘get’ where I’m coming from. Perhaps it is a perspective one can only gain by being outside of the US.
      Somehow people only interpret Prov 22:7 from their own experience. In my opening post I argued that I’m not sure in today’s context the borrow is slave to the lender. I don’t think anyone agreed. In this post I operated under the assumption that I was wrong – that the borrower is slave to the lender. But, in the end it still seems as though there is compassionate lending and thus not every loan enslaves. And yes, the Proverbs are not universal dictums – in the Word Biblical Commentary Roland Murphy calls Proverbs “half truths”. There is definitely something to that.
      Here in PNG we don’t have any formal lending system but we often lend people money. The money is typically used for start up business projects (baking scones) where some capital is needed to buy the initial supplies. I think those loans are a blessing. As such, there are cases where (1) the borrower is not slave to the lender (2) the rich do not rule over the poor. While this may generally be true is certainly is not always true.
      Our default rate is 75% and we’ve never once forced a person to repay. If they don’t repay a loan they are not eligible to borrow money again.
      Your example of micro-lending is one such example of compassionate lending. Keep up the good work.

      • abiola says

        Good day

        I am a foreign medical student studying in a Caribbean medical university in a Caribbean island. my school is based in texas & in the caribbean too. please am in dire need of a loan or grant to pay my fees and actualize my dream of becoming a medical doctor. please can this be approved and what are the steps to take and my payment options. kindly reply. thanks God bless.

  4. says

    This is what happens from trying to make a doctrine out of half of a Bible verse taken out of context. “The borrower is slave to the lender” is a poetic way of saying that when you’re in debt, you lose flexibility. The author is making a point about economics — he’s telling you how the world works. (Was Jesus literally a slave when He borrowed a donkey to ride on? Was it wrong for someone to lend Him the donkey?) This verse in Proverbs is not saying anything is wrong. If it were, the first half of the same verse would imply that it’s wrong to be poor. Look it up.

    • says

      For a little context you might read In this post, I challenged the very thing that you challenge – this verse is not a legal doctrine that applies in the same way to our culture. However, in the comments there was not much agreement so I decided to take a second stab at things ( From there I followed up with two articles that I think have be misunderstood – the misunderstanding was my fault because I didn’t clearly express myself.

      In both this article and I made some points from the perspective that I agreed with the statement that “the borrower is slave to the lender” as a legal genre. The reality is I don’t. However, if I did believe it I think I would be forced to argue that lending is immoral, but clearly it is not (as the above Bible verses show). The point is that those who accept Prov. 22:7 as a legal doctrine should revisit how they understand the statement.

      I just don’t see how one can accept Prov. 22:7 as a legal doctrine and the idea of gracious lending. The obvious solution is that Prov. 22:7 does not apply in all contexts.

      I think after you’ve read my full thoughts on the topic you’ll be a little more satisfied.

  5. vincepoet says

    In my personal opinion and experience once we have a loan (form legal or illegal institution) we are very much a slave to the lender. Due to many wrong decisions I have lost a good paying profession and has been in debt for many a year now….and the best part is I still have to borrow to make ends meet. Some borrowings come from banks of which I can only make partial payments to most of the time. Practices of Banks here is to employ harrassing calls and visits to the house and also threats and even legal proceedings. By avoiding all these the only thing to do is to ignore yet once you are blacklisted by them you are no longer free to make wise and also needed decisons to pursue your dream further. In terms of borrowing from friends you will also be obliged to repay them not only the amount borrowed but interests (in this case these are not calculated in $$$). You will be obliged to help them in return because you are considered to “owe them one”. This interest payment would include helping their chores, helping with the talents that you have and also be extra nice to them in that you have to be on 24 hours call basis to assist them in any way.

    To me all these results in no more free will to live and pursue life. I would term is at best SLAVERY

  6. says

    I think to understand this difficult subject we have to first define the terms we use. Lend: to give for temporary use on condition that the same or its equivalent be returned. Usury: the lending of money with an interest charge for its use. It is my belief that If we are to have true biblical view of our money and lending the above terms are very key. To lend your lawnmower to your neighbor, you would only expect the lawnmower be return in like condition as it was lent. To lend your $100.00 with 10% usury or interest, you would expect to receive $110.00 back. I believe that the Word of God is perfect and inerrant and therefore when God speaks of lending in these verses ( Deuteronomy 15:8, Psalm 37:26, Psalm 112:5, Luke 6:34), I believe He is speaking of lending freely (no usury) as well as freely as in the sense of loosely or without hesitation. Furthermore, I believe that God’s Word is simply speaking of both sides of the coin. Side 1: “The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7) is a warning to the borrower not the lender. Side 2: “Good will come to him who is generous and lends freely, who conducts his affairs with justice.” (Psalm 112:5) God is warning the lender not the borrower. IMHO. Thank you again for this terrific blog. Learning so much!

  7. Gladys Perez says

    I would like to consolidate my credit cards. I own 56,000 and I have a mortgage which i own 65,000. I actually i have like to refinance if possible. My interest rate is 4.75%.

  8. Gail Bannish says

    I’m separated from my husband and supporting our 3 sons without any help from him. We have a house that has a first and second on it. He signed the house over to me because he says it is easier if I just file bankruptcy and let the house go. We had a car the he had but let the bank take it instead of paying for it. Well now they are after me for the money. I get no financial help from him and most likely never will. I’m working like crazy so I can make all my bills. I know I can’t keep this up forever but I will do it till I figure out what God wants me to do. I know I need to refinance the house to get his name of the mortgage. Whenever I talk to someone about what I can do they tell me “we can help you if you stop working or if you stop paying your house payment.” I pray for Godly guidance. I don’t want my sons to think that it is ok to owe people and just walk away. Yes I feel like a Slave but I got the debt and I need to keep my word to the businesses that I owe. If you have any suggestions I’d really appreciate it.

    • says

      I’m so sorry for your situation. I think you’d be wise to sit down with a financial professional who can look over all your information. Whatever advice I could give would be too general to be helpful. May God guide you during this difficult time.

  9. Katlego says

    If we look at the Biblical context of lending and where it was first introduced. You’ll notice that God said to the Jews that they shall be lenders and not borrowers …Deuteronomy 28:12, “you shall lend unto many NATIONS, and you shall not borrow”. Remember God had a covenant with the Jews, but He also wanted other nations as well, so through those nations borrowing from the Jews and becoming slaves/servants of the Jews, He would have direct access to them as they would be yoked to the Jews who were yoked to Him. But now when somebody who is in covenant with God (Christian), borrows from “other nations” (banks, unbelievers), it becomes wrong because they are now yoking up with unbelivers and making themselves slaves to their master satan. We have people yoked up and they don’t even know it. We need to be very careful.

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  19. says

    I am selling my house because I am not physically able to get around in it, my prayer is God will send someone with a willing spirit and a giving heart to help others, that is what I have been doing here and praying it will continue, there are a lot of people out there who need a hands up, this couple has the same heart linked to mine, will you please read their mission statement on their web site I sent to you, they are wanting to purchase this to continue the ministry God has called them to do, they have 3 more youth that are needing a place but they have no room where they are at, they don’t have the money to purchase the property but are willing to make monthly payments to someone who will help them.
    is this something that you do or can you put us in contact with someone who can? there is an urgency here because they have youth who need them and they have no room in the house they are in.
    can you please help…….????? contact Melissa reeves who has posted the web site if you can help them the price for the property is negotiable, a deal needs to be made asap for the sake of the youth they are helping
    thank you God bless
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  20. says

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  21. sallye says

    I made some financial mistakes and I am still working however, I need a loan to help me through this really bad time. I will have my retirement money next year. All the all line loans want 800 percent. Can I find someone for 10 percent? Next year I maybe able to loan money to return the blessing

    sallye 954-548-5588

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  24. Lynne Kelley says

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  27. Raphael Quarshie says

    Am a christian,lived in Ghana,a father of five and a widower.In fact,am out of job for barely 6 years now and living has become unbarable.Wants to go into Japanese Quail farm and I need starter loan.Please can you help me.
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    • says

      Need help to restore the business 20K.
      I am Vina living in cambodia, I don’t know if I could seek help for loan cash 20K to restore our business.
      We have lose and need the money to repayment to our supplier, one of our staff has took our cash and run a ways.

  29. says

    If I can receive a loan for 6,000 I can complete my shooling Equine Denstristy for four weeks it will permit me to increase my income. I had to retire at a pretty low rate. Thks. Andrew

  30. Scott says

    12 year old home-based business owner needs help. Revenue piqued at $450,000, about 35% profit. Last few years business has been tough for my entire industry. Also have tried to find a job unsuccessfully. Diagnosed with cancer early this year set me back and became late with rent. Then infected from toxic mold due to landlord’s negligence. Once they found out I was immediately evicted for the late rent even though they promised to work with me during a difficult time. Had previously paid landlord $65,000 in rent. Living in car for last 3 weeks. Lost everything I had because I couldn’t afford a truck, storage unit, or housing. Also lost my beloved dog. Still work 65 hours/week using free internet at library and coffee shops and make sales calls from car. Have open invoice for $7,000 and revenue lined up for July from 2 previous customers for about $50,000 each and $12,000 profit each. Need $7,000 to make ends meet until I can receive payments. Repaid in full within 60 days. Credit was about 700 but unsure if eviction has hit my report or affected score. Everything is verifiable. Can’t get business or personal loan because revenue was not good enough the last 4 months. Just 1 deposit which was January for $10,800. Clients are Fortune 500 companies. I believe God is testing my faith similar to how he did with Abraham. It remains steadfast. Just need an angel in form of a private lender with compassion. You’ll be repaid, with interest, on time.

  31. HON BARRY B. RIGAT says

    I am so happy to have clicked into this website in search of where I can get a loan from a Christian institution. Please i will like to apply for aloan of $200;000.00 for a business and to pay back in duration of 3yrs I’m monthly basis. I am from Nigeria into Concrete block production of all kinds,concrate interlocked and culverts rings and a good farmer.

  32. Mindy Bressler says

    I am desperately in need of a loan and that’s why I turned to Christian Lenders. My life has just changed drastically. My husband was in an auto accident on March 26, 2016 and suffered a spinal cord injury that left him disabled. We had no choice to put our house up for sale and move to a one story apartment that could accommodate his disability. The house hasn’t sold yet so we have a mortgage and a rent payment and a ton of medical bills. I would really appreciate it if you could lend us money to pay the medical bills, etc so we can try to get ourself caught up. We are falling so fall behind on everything. It’s very depressing. Please help! I look forward to your e-mail.

  33. M. Hansen says

    We are in our mid 70′s and in need of a loan to get caught up on our finances. We had identify theft and our bank accts were completely wiped out. We have gotten behind and need approx. 10,000 to pay back in 2-3 years on a monthly basis. Please help if at all possible. Thank you.

  34. says

    I need the help of my brother & sister’ in christ .I hurt my back at work last year and I am still waiting for back surgrey .my wife and I where going to a church and they had not sent my workmans comp check for 3 weeks we told one of the member;s and she said she would tell the precher that we could not make are house payment and we had no food. none of them helped us . so I had to go to pay day loan I got $925.00 and have to pay back $2,194.88 if I pay all 12 payments. then I had to make a nother loan for $3,000 and have to pay back $5,069 .and I have a $50,000 home loan to try to fix my mom&dad house they left me and I still need windows and I try to do this on $1,525 a month .I pray evrey day why my church family tunred there back on me we are all bother & sister; in christ. and jesus said to love one another as I have loved you. what a place the world would be if we whould just live by this may god bless all that need help I will pray for you. thank you

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  36. ISG says

    Dear Brothers and Sisters in Christ,
    I live in Canada and have a good and faithful family and a good income. My debt have got me into a very bad situation and I am now suffering with stress. My situation is not disastrous but need to come out of this asap. My Credit score is below 600 because of some past due payments recently and visa is over the limit.
    Property taxes have accumulated over the past few months and need to pay that as well. Tried 3 banks and was not successful. Have an equity of about $20000 on the house and unable to convince a bank yet because of recent credit issues. Bad debt totals to be 27400, which includes a CitiFinancial loan of 28.99% which kills my financial stability. Determined not to call bankruptcy throughout life and to be debt free as fast as I could. Need some support to go for a consolidation loan with low interest rate. Can someone please help by Word (advise) or by Good Samaritan Deed(s). Look forward for your prayers and any support for my family.

  37. David Rapp says

    I am in need of finances to go back to the Philippines, where i just returned from a few weeks ago. I shared my testimony at a new church and helped in the feeding of the needy children of the area in Urdaneta CIty about 4 hours north of Manila. I am going back to assist this new church and the main need is to fund a feeding program on a weekly basis instead of once a month which has been the case thus far….I am seeking funds for travel and right at this moment funds for 2 big feeding projects at Christmas time. $7,000-10,000 is what is needed presently and i cannot get a loan due to bad credit many years ago. Haven’t had much chance to build credit last several years. I am doing this as i know i have been called to share and help those less fortunate than i.

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  39. joseph india says

    Sir due to wrong decisions i lost my plastic I am suffering loans from bank relatives and friends.daily people coming to home for asking repayment.during a flood in December 2015 in Chennai India our ground floor rented house completely sunk and we lost all furnitures cloths car everything.2016 Christmas wo could not even purchase a single dress.i have wife Roselin and we have no children.i am an expert in plasting processing called Thermoforming.l am 50 this month.wiil anybody help me. Iwill restart a small business.I am going to work for small salary.will any body help requirement 10 lakhs indian Rupee.thanks

  40. says

    I am a healthy 72 year old (28 Feb.2017), capable of working, but having difficulty in finding work (was told last year to leave my job … within 3 days because I was past retirement age [65] … yet I was fitter than the boss and a number of younger ones there). I foolishly still have some debts. I need to pay them. I do have monies coming my way, but not right now. So in the interim I need at least $1000, but $2000 would be a bigger help. Who out there can help me, please. I tried my church (St.John’s Anglican Church, Wynberg, Cape Town, South Africa but they could not help me. I am a lay minister there. I will repay the loan.
    Many thanks and God Bless
    Jonathan Clive Daniels, 1 Golf Road, Fairways, Cape Town, South Africa. 7800. Please visit me when you are in Cape Town. In the interim visit my home via Google (Maps I think).

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      Hi Devon,
      I’m Mrs. Trimble, and I want to consolidate my debts, I have around 20,000 in credit card debt and 38,000 in car payments. Right now what I really wanted is my car loan to be paid of through you if possible, or my husband’s creit card loans amounting to 10,000 because he has high interest rest. My own car loan is 24,000, it’s a C-max energi car and on my 3rd year of paying it. I want to refinance it but I don’t want high interest and want to lower down my monthly payment. is it possible for you to contact me and let me know what you like me to do> my email adddress is

      Your Sister in Christ,

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