Pillar

Debt

The rich ruleth over the poor, and the borrower is servant to the lender (Proverbs 22:7, KJV).


The borrower is servant to the lender (Proverbs 22:7, KJV). The wicked borroweth, and payeth not again (Psalms 37:21, KJV). Owe no man any thing, but to love one another (Romans 13:8, KJV).

Key passages:  Proverbs 22:7 · Proverbs 6:1-5 · Psalms 37:21 · Romans 13:8

What does the Bible say about debt?

The Bible states that the borrower is servant to the lender (Proverbs 22:7, KJV), and that the wicked borroweth and payeth not again, but the righteous sheweth mercy and giveth (Psalms 37:21, KJV). It says, owe no man any thing, but to love one another (Romans 13:8, KJV). It tells the man who is surety for his friend to deliver himself as a roe from the hand of the hunter (Proverbs 6:1-5, KJV), and it forbids usury upon the poor (Exodus 22:25, KJV).


The Borrower and the Lender

The rich ruleth over the poor, and the borrower is servant to the lender.

— Proverbs 22:7 (KJV)

The rich ruleth over the poor, and the borrower is servant to the lender (Proverbs 22:7, KJV).

The LORD shall open unto thee his good treasure, the heaven to give the rain unto thy land in his season, and to bless all the work of thine hand: and thou shalt lend unto many nations, and thou shalt not borrow.

— Deuteronomy 28:12 (KJV)

43 The stranger that is within thee shall get up above thee very high; and thou shalt come down very low.

44 He shall lend to thee, and thou shalt not lend to him: he shall be the head, and thou shalt be the tail.

— Deuteronomy 28:43-44 (KJV)

For the LORD thy God blesseth thee, as he promised thee: and thou shalt lend unto many nations, but thou shalt not borrow; and thou shalt reign over many nations, but they shall not reign over thee.

— Deuteronomy 15:6 (KJV)

26 Be not thou one of them that strike hands, or of them that are sureties for debts.

27 If thou hast nothing to pay, why should he take away thy bed from under thee?

— Proverbs 22:26-27 (KJV)

1 Now there cried a certain woman of the wives of the sons of the prophets unto Elisha, saying, Thy servant my husband is dead; and thou knowest that thy servant did fear the LORD: and the creditor is come to take unto him my two sons to be bondmen.

2 And Elisha said unto her, What shall I do for thee? tell me, what hast thou in the house? And she said, Thine handmaid hath not any thing in the house, save a pot of oil.

3 Then he said, Go, borrow thee vessels abroad of all thy neighbours, even empty vessels; borrow not a few.

4 And when thou art come in, thou shalt shut the door upon thee and upon thy sons, and shalt pour out into all those vessels, and thou shalt set aside that which is full.

5 So she went from him, and shut the door upon her and upon her sons, who brought the vessels to her; and she poured out.

6 And it came to pass, when the vessels were full, that she said unto her son, Bring me yet a vessel. And he said unto her, There is not a vessel more. And the oil stayed.

7 Then she came and told the man of God. And he said, Go, sell the oil, and pay thy debt, and live thou and thy children of the rest.

— 2 Kings 4:1-7 (KJV)

Suretyship

1 My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger,

2 Thou art snared with the words of thy mouth, thou art taken with the words of thy mouth.

3 Do this now, my son, and deliver thyself, when thou art come into the hand of thy friend; go, humble thyself, and make sure thy friend.

4 Give not sleep to thine eyes, nor slumber to thine eyelids.

5 Deliver thyself as a roe from the hand of the hunter, and as a bird from the hand of the fowler.

— Proverbs 6:1-5 (KJV)

He that is surety for his friend is snared with the words of his mouth (Proverbs 6:1-2, KJV).

He that is surety for a stranger shall smart for it: and he that hateth suretiship is sure.

— Proverbs 11:15 (KJV)

A man void of understanding striketh hands, and becometh surety in the presence of his friend.

— Proverbs 17:18 (KJV)

Take his garment that is surety for a stranger: and take a pledge of him for a strange woman.

— Proverbs 20:16 (KJV)

26 Be not thou one of them that strike hands, or of them that are sureties for debts.

27 If thou hast nothing to pay, why should he take away thy bed from under thee?

— Proverbs 22:26-27 (KJV)

Take his garment that is surety for a stranger, and take a pledge of him for a strange woman.

— Proverbs 27:13 (KJV)

I will be surety for him; of my hand shalt thou require him: if I bring him not unto thee, and set him before thee, then let me bear the blame for ever:

— Genesis 43:9 (KJV)

32 For thy servant became surety for the lad unto my father, saying, If I bring him not unto thee, then I shall bear the blame to my father for ever.

33 Now therefore, I pray thee, let thy servant abide instead of the lad a bondman to my lord; and let the lad go up with his brethren.

— Genesis 44:32-33 (KJV)

18 If he hath wronged thee, or oweth thee ought, put that on mine account;

19 I Paul have written it with mine own hand, I will repay it: albeit I do not say to thee how thou owest unto me even thine own self besides.

— Philemon 1:18-19 (KJV)

Usury and Lending to the Poor

# If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury.

— Exodus 22:25 (KJV)

He that lendeth money to the poor of his people is not to be to him as an usurer (Exodus 22:25, KJV).

35 # And if thy brother be waxen poor, and fallen in decay with thee; then thou shalt relieve him: yea, though he be a stranger, or a sojourner; that he may live with thee.

36 Take thou no usury of him, or increase: but fear thy God; that thy brother may live with thee.

37 Thou shalt not give him thy money upon usury, nor lend him thy victuals for increase.

— Leviticus 25:35-37 (KJV)

19 # Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of any thing that is lent upon usury:

20 Unto a stranger thou mayest lend upon usury; but unto thy brother thou shalt not lend upon usury: that the LORD thy God may bless thee in all that thou settest thine hand to in the land whither thou goest to possess it.

— Deuteronomy 23:19-20 (KJV)

He that putteth not out his money to usury, nor taketh reward against the innocent. He that doeth these things shall never be moved.

— Psalms 15:5 (KJV)

He that by usury and unjust gain increaseth his substance, he shall gather it for him that will pity the poor.

— Proverbs 28:8 (KJV)

He that hath not given forth upon usury, neither hath taken any increase, that hath withdrawn his hand from iniquity, hath executed true judgment between man and man,

— Ezekiel 18:8 (KJV)

Hath given forth upon usury, and hath taken increase: shall he then live? he shall not live: he hath done all these abominations; he shall surely die; his blood shall be upon him.

— Ezekiel 18:13 (KJV)

In thee have they taken gifts to shed blood; thou hast taken usury and increase, and thou hast greedily gained of thy neighbours by extortion, and hast forgotten me, saith the Lord GOD.

— Ezekiel 22:12 (KJV)

Then I consulted with myself, and I rebuked the nobles, and the rulers, and said unto them, Ye exact usury, every one of his brother. And I set a great assembly against them.

— Nehemiah 5:7 (KJV)

10 I likewise, and my brethren, and my servants, might exact of them money and corn: I pray you, let us leave off this usury.

11 Restore, I pray you, to them, even this day, their lands, their vineyards, their oliveyards, and their houses, also the hundredth part of the money, and of the corn, the wine, and the oil, that ye exact of them.

— Nehemiah 5:10-11 (KJV)

A good man sheweth favour, and lendeth: he will guide his affairs with discretion.

— Psalms 112:5 (KJV)

34 And if ye lend to them of whom ye hope to receive, what thank have ye? for sinners also lend to sinners, to receive as much again.

35 But love ye your enemies, and do good, and lend, hoping for nothing again; and your reward shall be great, and ye shall be the children of the Highest: for he is kind unto the unthankful and to the evil.

— Luke 6:34-35 (KJV)

Give to him that asketh thee, and from him that would borrow of thee turn not thou away.

— Matthew 5:42 (KJV)

7 # If there be among you a poor man of one of thy brethren within any of thy gates in thy land which the LORD thy God giveth thee, thou shalt not harden thine heart, nor shut thine hand from thy poor brother:

8 But thou shalt open thine hand wide unto him, and shalt surely lend him sufficient for his need, in that which he wanteth.

— Deuteronomy 15:7-8 (KJV)

Pledges

26 If thou at all take thy neighbour's raiment to pledge, thou shalt deliver it unto him by that the sun goeth down:

27 For that is his covering only, it is his raiment for his skin: wherein shall he sleep? and it shall come to pass, when he crieth unto me, that I will hear; for I am gracious.

— Exodus 22:26-27 (KJV)

A neighbour's raiment taken to pledge is to be delivered by that the sun goeth down (Exodus 22:26, KJV).

# No man shall take the nether or the upper millstone to pledge: for he taketh a man's life to pledge.

— Deuteronomy 24:6 (KJV)

10 # When thou dost lend thy brother any thing, thou shalt not go into his house to fetch his pledge.

11 Thou shalt stand abroad, and the man to whom thou dost lend shall bring out the pledge abroad unto thee.

12 And if the man be poor, thou shalt not sleep with his pledge:

13 In any case thou shalt deliver him the pledge again when the sun goeth down, that he may sleep in his own raiment, and bless thee: and it shall be righteousness unto thee before the LORD thy God.

— Deuteronomy 24:10-13 (KJV)

# Thou shalt not pervert the judgment of the stranger, nor of the fatherless; nor take a widow's raiment to pledge:

— Deuteronomy 24:17 (KJV)

For thou hast taken a pledge from thy brother for nought, and stripped the naked of their clothing.

— Job 22:6 (KJV)

They drive away the ass of the fatherless, they take the widow's ox for a pledge.

— Job 24:3 (KJV)

And they lay themselves down upon clothes laid to pledge by every altar, and they drink the wine of the condemned in the house of their god.

— Amos 2:8 (KJV)

And hath not oppressed any, but hath restored to the debtor his pledge, hath spoiled none by violence, hath given his bread to the hungry, and hath covered the naked with a garment;

— Ezekiel 18:7 (KJV)

If the wicked restore the pledge, give again that he had robbed, walk in the statutes of life, without committing iniquity; he shall surely live, he shall not die.

— Ezekiel 33:15 (KJV)

Repayment and Restitution

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth.

— Psalms 37:21 (KJV)

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth (Psalms 37:21, KJV).

Render therefore to all their dues: tribute to whom tribute is due; custom to whom custom; fear to whom fear; honour to whom honour.

— Romans 13:7 (KJV)

If a man shall steal an ox, or a sheep, and kill it, or sell it; he shall restore five oxen for an ox, and four sheep for a sheep.

— Exodus 22:1 (KJV)

14 # And if a man borrow ought of his neighbour, and it be hurt, or die, the owner thereof being not with it, he shall surely make it good.

15 But if the owner thereof be with it, he shall not make it good: if it be an hired thing, it came for his hire.

— Exodus 22:14-15 (KJV)

2 If a soul sin, and commit a trespass against the LORD, and lie unto his neighbour in that which was delivered him to keep, or in fellowship, or in a thing taken away by violence, or hath deceived his neighbour;

3 Or have found that which was lost, and lieth concerning it, and sweareth falsely; in any of all these that a man doeth, sinning therein:

4 Then it shall be, because he hath sinned, and is guilty, that he shall restore that which he took violently away, or the thing which he hath deceitfully gotten, or that which was delivered him to keep, or the lost thing which he found,

5 Or all that about which he hath sworn falsely; he shall even restore it in the principal, and shall add the fifth part more thereto, and give it unto him to whom it appertaineth, in the day of his trespass offering.

— Leviticus 6:2-5 (KJV)

6 Speak unto the children of Israel, When a man or woman shall commit any sin that men commit, to do a trespass against the LORD, and that person be guilty;

7 Then they shall confess their sin which they have done: and he shall recompense his trespass with the principal thereof, and add unto it the fifth part thereof, and give it unto him against whom he hath trespassed.

— Numbers 5:6-7 (KJV)

30 Men do not despise a thief, if he steal to satisfy his soul when he is hungry;

31 But if he be found, he shall restore sevenfold; he shall give all the substance of his house.

— Proverbs 6:30-31 (KJV)

And Zacchaeus stood, and said unto the Lord; Behold, Lord, the half of my goods I give to the poor; and if I have taken any thing from any man by false accusation, I restore him fourfold.

— Luke 19:8 (KJV)

5 And David's anger was greatly kindled against the man; and he said to Nathan, As the LORD liveth, the man that hath done this thing shall surely die:

6 And he shall restore the lamb fourfold, because he did this thing, and because he had no pity.

— 2 Samuel 12:5-6 (KJV)

25 Agree with thine adversary quickly, whiles thou art in the way with him; lest at any time the adversary deliver thee to the judge, and the judge deliver thee to the officer, and thou be cast into prison.

26 Verily I say unto thee, Thou shalt by no means come out thence, till thou hast paid the uttermost farthing.

— Matthew 5:25-26 (KJV)

The Release of Debts

1 At the end of every seven years thou shalt make a release.

2 And this is the manner of the release: Every creditor that lendeth ought unto his neighbour shall release it; he shall not exact it of his neighbour, or of his brother; because it is called the LORD'S release.

— Deuteronomy 15:1-2 (KJV)

At the end of every seven years the creditor that lendeth unto his neighbour shall release it (Deuteronomy 15:1-2, KJV).

3 Some also there were that said, We have mortgaged our lands, vineyards, and houses, that we might buy corn, because of the dearth.

4 There were also that said, We have borrowed money for the king's tribute, and that upon our lands and vineyards.

5 Yet now our flesh is as the flesh of our brethren, our children as their children: and, lo, we bring into bondage our sons and our daughters to be servants, and some of our daughters are brought unto bondage already: neither is it in our power to redeem them; for other men have our lands and vineyards.

— Nehemiah 5:3-5 (KJV)

10 I likewise, and my brethren, and my servants, might exact of them money and corn: I pray you, let us leave off this usury.

11 Restore, I pray you, to them, even this day, their lands, their vineyards, their oliveyards, and their houses, also the hundredth part of the money, and of the corn, the wine, and the oil, that ye exact of them.

12 Then said they, We will restore them, and will require nothing of them; so will we do as thou sayest. Then I called the priests, and took an oath of them, that they should do according to this promise.

— Nehemiah 5:10-12 (KJV)

23 # Therefore is the kingdom of heaven likened unto a certain king, which would take account of his servants.

24 And when he had begun to reckon, one was brought unto him, which owed him ten thousand talents.

25 But forasmuch as he had not to pay, his lord commanded him to be sold, and his wife, and children, and all that he had, and payment to be made.

26 The servant therefore fell down, and worshipped him, saying, Lord, have patience with me, and I will pay thee all.

27 Then the lord of that servant was moved with compassion, and loosed him, and forgave him the debt.

— Matthew 18:23-27 (KJV)

32 Then his lord, after that he had called him, said unto him, O thou wicked servant, I forgave thee all that debt, because thou desiredst me:

33 Shouldest not thou also have had compassion on thy fellowservant, even as I had pity on thee?

34 And his lord was wroth, and delivered him to the tormentors, till he should pay all that was due unto him.

— Matthew 18:32-34 (KJV)

41 There was a certain creditor which had two debtors: the one owed five hundred pence, and the other fifty.

42 And when they had nothing to pay, he frankly forgave them both. Tell me therefore, which of them will love him most?

43 Simon answered and said, I suppose that he, to whom he forgave most. And he said unto him, Thou hast rightly judged.

— Luke 7:41-43 (KJV)

And forgive us our debts, as we forgive our debtors.

— Matthew 6:12 (KJV)

39 # And if thy brother that dwelleth by thee be waxen poor, and be sold unto thee; thou shalt not compel him to serve as a bondservant:

40 But as an hired servant, and as a sojourner, he shall be with thee, and shall serve thee unto the year of jubile:

41 And then shall he depart from thee, both he and his children with him, and shall return unto his own family, and unto the possession of his fathers shall he return.

— Leviticus 25:39-41 (KJV)

Tribute and Taxes

17 Tell us therefore, What thinkest thou? Is it lawful to give tribute unto Caesar, or not?

18 But Jesus perceived their wickedness, and said, Why tempt ye me, ye hypocrites?

19 Shew me the tribute money. And they brought unto him a penny.

20 And he saith unto them, Whose is this image and superscription?

21 They say unto him, Caesar's. Then saith he unto them, Render therefore unto Caesar the things which are Caesar's; and unto God the things that are God's.

— Matthew 22:17-21 (KJV)

Render unto Caesar the things which are Caesar's; and unto God the things that are God's (Matthew 22:21, KJV).

14 And when they were come, they say unto him, Master, we know that thou art true, and carest for no man: for thou regardest not the person of men, but teachest the way of God in truth: Is it lawful to give tribute to Caesar, or not?

15 Shall we give, or shall we not give? But he, knowing their hypocrisy, said unto them, Why tempt ye me? bring me a penny, that I may see it.

16 And they brought it. And he saith unto them, Whose is this image and superscription? And they said unto him, Caesar's.

17 And Jesus answering said unto them, Render to Caesar the things that are Caesar's, and to God the things that are God's. And they marvelled at him.

— Mark 12:14-17 (KJV)

22 Is it lawful for us to give tribute unto Caesar, or no?

23 But he perceived their craftiness, and said unto them, Why tempt ye me?

24 Shew me a penny. Whose image and superscription hath it? They answered and said, Caesar's.

25 And he said unto them, Render therefore unto Caesar the things which be Caesar's, and unto God the things which be God's.

— Luke 20:22-25 (KJV)

6 For for this cause pay ye tribute also: for they are God's ministers, attending continually upon this very thing.

7 Render therefore to all their dues: tribute to whom tribute is due; custom to whom custom; fear to whom fear; honour to whom honour.

— Romans 13:6-7 (KJV)

24 # And when they were come to Capernaum, they that received tribute money came to Peter, and said, Doth not your master pay tribute?

25 He saith, Yes. And when he was come into the house, Jesus prevented him, saying, What thinkest thou, Simon? of whom do the kings of the earth take custom or tribute? of their own children, or of strangers?

26 Peter saith unto him, Of strangers. Jesus saith unto him, Then are the children free.

27 Notwithstanding, lest we should offend them, go thou to the sea, and cast an hook, and take up the fish that first cometh up; and when thou hast opened his mouth, thou shalt find a piece of money: that take, and give unto them for me and thee.

— Matthew 17:24-27 (KJV)

Owe No Man Any Thing

Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.

— Romans 13:8 (KJV)

Owe no man any thing, but to love one another (Romans 13:8, KJV).

27 # Withhold not good from them to whom it is due, when it is in the power of thine hand to do it.

28 Say not unto thy neighbour, Go, and come again, and to morrow I will give; when thou hast it by thee.

— Proverbs 3:27-28 (KJV)

Questions answered with Scripture

What does the Bible say about the borrower?

The rich ruleth over the poor, and the borrower is servant to the lender.

— Proverbs 22:7 (KJV)

What does the Bible say about being surety for another?

He that is surety for a stranger shall smart for it: and he that hateth suretiship is sure.

— Proverbs 11:15 (KJV)

What does the Bible say about repaying what is borrowed?

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth.

— Psalms 37:21 (KJV)

What does the Bible say about charging interest to the poor?

# If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury.

— Exodus 22:25 (KJV)

What does Romans say about owing?

Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.

— Romans 13:8 (KJV)

What does the Bible say about paying tribute and taxes?

Render therefore to all their dues: tribute to whom tribute is due; custom to whom custom; fear to whom fear; honour to whom honour.

— Romans 13:7 (KJV)