What Does Jesus Say About Borrowing Money?

Borrowing money is a topic that touches most of our lives at some point.

Whether it’s a student loan, a mortgage, or borrowing a few dollars from a friend, understanding the moral and spiritual aspects of borrowing can provide guidance.

The teachings of Jesus offer profound insights into this matter.

Let’s delve into what Jesus says about borrowing money and how these teachings can be applied to our lives today.

Jesus on Lending and Borrowing

Jesus’ teachings emphasize the principles of love, responsibility, and integrity, which apply directly to borrowing and lending money.

Key Teachings from the Bible

#1. The Golden Rule: Jesus’ famous teaching in Matthew 7:12, often referred to as the Golden Rule, says, “Do to others what you would have them do to you.”

This principle guides us to treat others, including lenders and borrowers, with respect and fairness.

If you’re borrowing, think about how you’d want to be treated if the roles were reversed.

#2. Love and Generosity: In Luke 6:34-35, Jesus says, “

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.

But love your enemies, do good to them, and lend to them without expecting to get anything back.”

Here, Jesus calls us to lend with a spirit of generosity, not merely seeking our own gain.

#3. Responsibility and Integrity:

While Jesus speaks about the grace and generosity in lending, there’s also an implicit call for integrity in borrowing.

Proverbs 22:7, although not directly from Jesus, echoes a principle that’s consistent with His teachings: “The rich rule over the poor, and the borrower is slave to the lender.”

This highlights the importance of borrowing responsibly and honoring commitments.

Practical Applications

Be Honest and Transparent: If you’re borrowing money, be upfront about your situation.

Communicate clearly about how and when you plan to repay the loan.

Borrow Within Your Means: It’s crucial to borrow only what you can realistically repay.

Overextending yourself financially can lead to stress and strained relationships.

Respect Agreements: Honor the terms of any loan agreement.

This shows respect for the lender and upholds your integrity.

Borrowing in a Modern Context

In today’s world, borrowing can be complex, with various types of loans and credit available.

Understanding Jesus’ teachings can help navigate these waters wisely.

Borrowing for Necessities

Borrowing for essential needs, such as a home or education, can be aligned with responsible stewardship.

Jesus’ teachings encourage us to meet our needs and support our families.

However, it’s important to balance these needs with the ability to repay the borrowed funds.

Avoiding Excessive Debt

Excessive debt can be burdensome and limit your ability to live freely and generously.

Jesus encourages us to live simply and not be overly attached to material possessions.

Matthew 6:24 says, “No one can serve two masters… You cannot serve both God and money.” Avoid becoming a slave to debt; instead, strive for financial freedom.

Lending to Help Others

When lending money, especially to those in need, Jesus encourages us to do so with a generous heart.

Consider lending without expecting repayment, especially if the borrower is in a difficult situation.

This reflects the love and grace Jesus models for us.

Ethical Lending Practices

For those in the business of lending, it’s essential to practice ethical lending.

Avoid predatory lending practices that exploit the vulnerable.

Jesus calls us to protect and support those who are weaker or in need, not to take advantage of them.

The Spiritual Side of Borrowing

Beyond the practical aspects, borrowing money has a spiritual dimension.

It’s an opportunity to reflect on trust, generosity, and stewardship.

Trust in God’s Provision

Jesus teaches us to trust in God’s provision.

In Matthew 6:31-33, He says, “So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.”

This passage reminds us that our trust should be in God, not in our financial means or borrowed money.

Practicing Stewardship

Borrowing money should be approached as a form of stewardship.

We are called to manage our resources wisely and responsibly.

Luke 16:10 underscores this, stating,

“Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.”

As stewards of God’s provision, we should borrow with the intention of using the funds in a manner that honors Him.

Reflection and Prayer

When considering borrowing, take time for reflection and prayer. Seek guidance to ensure that your decision aligns with God’s will and principles.

Philippians 4:6 advises, “Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God.”

This applies to financial decisions as well, including borrowing money.

Biblical Stories on Borrowing and Lending

Several stories in the Bible provide further insights into the principles of borrowing and lending.

The Parable of the Talents

In Matthew 25:14-30, Jesus shares the Parable of the Talents.

Although not directly about borrowing, it teaches the importance of using resources wisely and being accountable.

Each servant was given a sum of money to manage, and their actions with that money reflected their stewardship and integrity.

This parable encourages us to handle borrowed funds prudently and responsibly.

The Parable of the Unmerciful Servant

In Matthew 18:23-35, Jesus tells the story of a servant who was forgiven a massive debt by his master but then refused to forgive a small debt owed to him by another servant.

This parable highlights the importance of mercy and forgiveness in financial dealings.

If you’ve borrowed money, strive to repay it with the same grace you would hope to receive if the roles were reversed.

Living Out Jesus’ Teachings on Borrowing

Applying Jesus’ teachings on borrowing money involves a mix of practical steps and spiritual mindfulness.

Here are some key takeaways to help you live out these principles:

For Borrowers

Borrow Responsibly: Only borrow what you can realistically repay. Consider your financial situation and future income before taking on debt.
Communicate Clearly: Be honest with your lenders. Clear communication about repayment plans can prevent misunderstandings.
Honor Commitments: Fulfill your promises to repay. This demonstrates integrity and respect for the lender’s trust.

For Lenders

Lend Generously: If you’re in a position to lend, do so with a generous heart, without expecting anything in return, as Jesus advises.
Practice Fairness: Avoid charging exorbitant interest or taking advantage of those in need.

Follow ethical lending practices.

Show Mercy: Be compassionate and understanding if the borrower faces difficulties in repayment.

Reflect the grace that Jesus shows us.

In All Financial Matters

Seek God’s Guidance: Pray and seek divine wisdom in your financial decisions.

Trust in God’s provision and be faithful stewards of what He provides.

Reflect on Your Values: Align your borrowing and lending practices with the values Jesus teaches—love, fairness, and responsibility.
Live Generously:

Whether you’re borrowing or lending, maintain a spirit of generosity. Help others without expecting anything in return, following Jesus’ example.

Conclusion

Borrowing and lending money are integral parts of modern life, but they are also opportunities to live out the teachings of Jesus.

By borrowing responsibly, lending generously, and maintaining a spirit of integrity and love, we can navigate financial matters in a way that honors God and reflects His principles.

Remember, it’s not just about the money—it’s about how we treat each other and manage the resources entrusted to us.

Seek guidance, act with honesty, and above all, keep faith in God’s provision as you make financial decisions.

FAQs: What Does Jesus Say About Borrowing Money?

1. Does Jesus specifically address borrowing money in the Bible?

While Jesus doesn’t provide specific guidelines solely focused on borrowing money, He offers principles that can be applied to borrowing and lending.

Teachings on love, generosity, responsibility, and integrity guide our approach to financial dealings.

2. What is the Golden Rule and how does it apply to borrowing money?

The Golden Rule, found in Matthew 7:12, says, “Do to others what you would have them do to you.”

When applied to borrowing, it means treating your lender with respect and fairness, as you would want to be treated if you were the lender.

3. What does Jesus say about lending money?

In Luke 6:34-35, Jesus encourages lending without expecting repayment, promoting a spirit of generosity and love.

He emphasizes doing good and helping others without seeking personal gain.

4. Is borrowing money considered sinful in Christianity?

Borrowing money itself isn’t considered sinful.

However, Christians are advised to borrow responsibly and to repay debts as agreed.

Proverbs 22:7 warns that excessive debt can lead to a loss of freedom, suggesting caution in taking on debt.

5. How can I ensure I’m borrowing responsibly?

Assess Your Needs: Only borrow for necessities or investments that you can afford to repay.
Plan for Repayment: Have a clear and realistic plan for how and when you will repay the debt.
Communicate Clearly: Be honest with your lender about your financial situation and repayment terms.

6. What does the Bible say about debt?

Proverbs 22:7 states, “The rich rule over the poor, and the borrower is slave to the lender.”

This suggests the importance of avoiding excessive debt, as it can lead to financial and personal bondage.

7. How can I apply Jesus’ teachings to my borrowing habits?

Borrow with Integrity: Be honest and transparent about your borrowing needs and capabilities.
Live Within Your Means: Avoid borrowing more than you can repay.
Seek God’s Guidance: Pray and seek wisdom in financial decisions, trusting in God’s provision.

8. How should Christians approach lending money?

Christians are encouraged to lend with generosity and kindness, without exploiting others.

Fair and ethical lending practices are essential, as well as showing mercy if the borrower struggles to repay.

9. Is it okay to charge interest on loans?

While the Bible doesn’t forbid charging interest, it does warn against exorbitant or exploitative interest rates, especially towards those in need.

Ethical lending practices should always be followed.

10. What can I do if I can’t repay a loan?

If you find yourself unable to repay a loan, communicate with your lender immediately.

Seek to renegotiate terms or explore other options. Maintain honesty and integrity in your dealings.

11. How can I avoid falling into excessive debt?

Create a Budget: Plan your expenses and stick to your budget.
Avoid Impulsive Borrowing: Only borrow for essential or well-planned investments.
Seek Financial Advice: Consult with financial advisors or mentors for guidance.

12. What role does prayer play in borrowing money?

Prayer helps seek God’s wisdom and guidance in making financial decisions.

Philippians 4:6 encourages presenting all requests to God, including financial ones, through prayer.

13. Are there biblical stories that provide lessons on borrowing and lending?

Yes, stories like the Parable of the Talents (Matthew 25:14-30) and the Parable of the Unmerciful Servant (Matthew 18:23-35) offer valuable lessons on stewardship, responsibility, and mercy in financial matters.

14. Can borrowing money be an act of faith?

Borrowing money can be part of faithful stewardship if done responsibly and in alignment with God’s principles.

It’s important to trust in God’s provision and seek to manage resources wisely.

15. What should I consider before lending money to friends or family?

Assess the Impact: Consider how the loan may affect your relationship.
Be Clear on Terms: Agree on clear terms and expectations for repayment.
Lend Generously: Be willing to lend without expecting repayment, reflecting Jesus’ teachings on generosity.

If you have more questions or need further guidance, feel free to reach out or consult with trusted spiritual and financial advisors.