Money can be a tricky subject, especially when it comes to lending it to family and friends. Many people assume the Bible only warns against borrowing, but Scripture actually provides wisdom on lending as well. If you’ve ever struggled with whether to loan money or felt guilty about saying no, you’re not alone. Biblical principles offer guidance on when, how, and to whom you should lend—without ruining relationships or your finances. Let’s explore some lesser-known biblical rules about lending money that can help you make wise decisions.
1. Loan Money Without Expecting It Back
One of the most challenging biblical principles on lending is found in Luke 6:35, where Jesus instructs, “Lend, expecting nothing in return.” This doesn’t mean you should never accept repayment, but rather that your heart should be in the right place. If you lend money with resentment or desperation to get it back, it can harm your relationships. Instead, consider any loan as a gift—if it’s repaid, great, but if not, don’t let it create bitterness. This mindset protects your peace and ensures you give with the right intentions.
2. Charge No Interest to Those in Need
The Bible warns against charging interest, especially to the poor. Exodus 22:25 says, “If you lend money to My people, to the poor among you, you are not to act as a creditor to him; you shall not charge him interest.” This principle highlights the importance of generosity over profit-seeking. Lending should be about helping someone, not making money off their hardship. If someone is truly struggling, offer assistance without adding to their burden. This aligns with biblical justice and love for others.
3. Be Wise About Who You Lend To
While generosity is important, the Bible also teaches wisdom in lending. Proverbs 22:26-27 warns against putting yourself in financial risk by guaranteeing another person’s debt. Not everyone who asks for money should receive it, especially if they have a history of poor money management. If a loan will likely enable bad habits or cause financial strain on your own household, it’s wise to say no. Lending should never come at the cost of your own stability.
4. Avoid Lending That Leads to Debt Slavery
Debt can easily become a form of bondage, and the Bible warns against putting others—or yourself—in that position. Proverbs 22:7 states, “The rich rules over the poor, and the borrower is slave to the lender.” If someone is already drowning in debt, another loan may only make things worse. Instead of lending, consider offering guidance, financial education, or alternative ways to help. True biblical generosity seeks to uplift, not create more dependence.
5. Prioritize Your Household First
While helping others is commendable, the Bible reminds us to take care of our own responsibilities first. 1 Timothy 5:8 says, “If anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.” Before lending, ensure your own family’s needs are met. Giving to others should never come at the cost of your own children’s well-being or financial security. Responsible stewardship starts at home.
6. Let Giving Be a Reflection of God’s Grace
God’s generosity is a model for our own giving. 2 Corinthians 9:7 tells us, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” If you feel pressured or guilted into lending, it’s a sign to step back and pray for wisdom. Giving should be done freely and joyfully, not out of obligation or fear of disappointing someone. This ensures your generosity is truly from the heart.
7. Know That Forgiving Debts Is Biblical
The Bible speaks about debt forgiveness as a way to reflect God’s mercy. Deuteronomy 15:1-2 describes how every seven years, debts among Israelites were to be canceled. While this was a specific command for ancient Israel, the principle remains: grace should be greater than greed. If someone is struggling and unable to repay, consider letting the debt go. It may not always be easy, but forgiving a debt can free both you and the borrower from stress and resentment.
8. Seek God’s Guidance Before Lending
Not every loan is a wise decision, and not every request should be granted. James 1:5 encourages us to seek God’s wisdom: “If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach.” Before lending, pray about it and ask for discernment. Some situations call for generosity, while others require tough love. Trust that God will guide you in making the right decision.
9. Consider Alternative Ways to Help
Sometimes, the best way to help isn’t by giving money. If someone is struggling financially, offering financial advice, helping them find a job, or teaching them budgeting skills may be more beneficial. The Bible encourages work and responsibility, as seen in 2 Thessalonians 3:10, which states, “If anyone is not willing to work, let him not eat.” Lending money isn’t always the solution—sometimes, helping someone become financially independent is the greatest gift.
10. Remember That Generosity Is a Blessing
Ultimately, lending and giving should come from a place of love and trust in God. Proverbs 19:17 says, “Whoever is generous to the poor lends to the Lord, and He will repay him for his deed.” When we give with an open heart, we trust that God will take care of us in return. Even if a loan is never repaid, the blessings of generosity extend far beyond money. A generous heart reflects God’s love and brings joy to both the giver and receiver.
Biblical Wisdom for Lending with Love
Lending money is more than just a financial decision—it’s a spiritual one. The Bible encourages generosity, wisdom, and discernment in how we lend and give. While it’s important to help others, it’s equally important to protect your own financial well-being and avoid enabling bad habits. If you’re unsure about loaning money, take time to pray, seek wisdom, and consider alternative ways to help.
Have you ever struggled with lending money to friends or family? Share your thoughts in the comments below!
Read More:
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Latrice is a dedicated professional with a rich background in social work, complemented by an Associate Degree in the field. Her journey has been uniquely shaped by the rewarding experience of being a stay-at-home mom to her two children, aged 13 and 5. This role has not only been a testament to her commitment to family but has also provided her with invaluable life lessons and insights.
As a mother, Latrice has embraced the opportunity to educate her children on essential life skills, with a special focus on financial literacy, the nuances of life, and the importance of inner peace.