Bible Verses About Debt

25 Bible Verses About Debt (With Commentary)

The Bible teaches us about debt. It says to avoid and overcome it. We will look at what the Bible says about borrowing, paying back, and lending. This helps you with financial challenges.

Warnings Against Debt

An oil painting depecting debtors being servants to the lenders.

Proverbs 22:7 tells us that debt makes you a servant to the lender. Romans 13:8 says we should only owe love, showing how debt limits our freedom. Psalm 37:21 teaches not paying debts is wrong because God wants us to be generous and honest.

Proverbs 11:15 and Proverbs 17:18 warn about the dangers of covering for others’ debts, suggesting careful steps to avoid financial trouble.

Being careless with agreements or loans puts you at risk, according to the Bible. This wisdom guides us towards being smart with our money, staying away from choices that could trap us financially or break trust due to unpaid promises.

Following these teachings helps achieve financial freedom, good management of what we own, and living under God’s provision without too much borrowing or risky lending habits.

Proverbs 22:7

"The rich rule over the poor, and the borrower is slave to the lender."

The Bible tells us that the rich rule over the poor. People who borrow money end up serving those who lend it. This shows how debt can make someone feel stuck because of their financial decisions.

Proverbs 22:7 warns us about this, saying owing money makes you controlled by another person. The Bible advises living within our means to avoid such risks.

Romans 13:8

"Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law."

Romans 13:8 tells us to owe nothing but love. Love is key and completes God’s law. It’s about more than just money or debts. It means treating people right every day. Our main job is to keep loving, which never stops, no matter what else we finish paying.

By understanding this debt of love, Christians act better towards others. It’s a big part of following Christ Jesus. This love makes us closer to the kingdom of God. We show mercy and kindness always.

Instead of just thinking about getting rich or paying off debts, we focus on being generous and kind.

Psalm 37:21

"The wicked borrow and do not repay, but the righteous give generously;"

Psalm 37:21 shows that not returning borrowed money is wrong. Good people, however, give and lend freely. This tells us to be smart about debts and always pay back what we owe. Being kind by giving to others is key.

The Bible stresses the importance of avoiding debts and being wise with finances. Psalm 37:21 advises everyone to use their money wisely, pay off debts, and help others when possible.

By doing this, we follow God’s advice on managing finances correctly.

Proverbs 11:15

"Whoever puts up security for a stranger will surely suffer, but whoever refuses to shake hands in pledge is safe."

Proverbs 11:15 shows us that cosigning a loan, especially for someone we hardly know, is risky. It could lead to financial problems. The Bible teaches us to be careful with our money and not promise to pay someone else’s debt.

This advice protects our finances and stops us from making quick, bad decisions about money.

Proverbs 17:18

"One who has no sense shakes hands in pledge and puts up security for a neighbor."

Paying for a friend’s debt is risky. The Bible tells us it’s not smart. It can cause problems and shame. We should pay our own debts first.

The Bible stresses being careful with debts, especially for others. This teaches us to be responsible with money.

Encouragements to Pay Off Debt

An oil painting of an individual paying his debt and being grateful to the lender.

The Bible says to clear our debts fast. Ecclesiastes 5:5 tells us not making promises we can’t keep is wise, especially with money. Proverbs 3:27-28 teaches us, if we can pay, we should not delay.

This isn’t just about money; it’s about being honest.

Matthew 5:25-26 suggests fixing issues with others quickly, showing the smart move is to solve debt problems before they get worse. Leviticus 25:35-37 talks about helping those in need without trying to profit from their bad luck, pushing us to be kind when lending.

Romans 13:7 tells everyone to give what’s due—taxes or respect. This means paying off debts as part of doing the right thing and staying true.

Ecclesiastes 5:5

"It is better not to make a vow than to make one and not fulfill it."

Ecclesiastes 5:5 says we must keep our promises, especially to God. Not keeping vows is a big deal. This teaches us the importance of honoring commitments on time.

Understanding this helps us see the importance of being true to our word. Breaking a promise shows disrespect for ourselves and God. By sticking to this advice, we learn humility and how important integrity is in life, including when dealing with debts.

Proverbs 3:27-28

"Do not withhold good from those to whom it is due, when it is in your power to act. Do not say to your neighbor, ‘Come back tomorrow and I’ll give it to you’— when you already have it with you."

Proverbs 3:27-28 tells us to do good when we can. If you have debts, pay them quickly. Being fast to settle debts shows honesty and respect. It fits with the Bible’s advice on using money wisely and following moral rules.

Paying what we owe right away is part of fulfilling the law in the scriptures. This action reflects financial wisdom and a life of integrity. It teaches us about wealth accumulation through honest means.

The Bible stresses not just waiting around but taking immediate steps to clear our dues. This principle supports living a life that lines up with God’s teachings on how we handle our resources.

Clearing debts without delay highlights our commitment to doing what’s rightshowcasing the mercies of God through our actions towards others.

Matthew 5:25-26

"Settle matters quickly with your adversary who is taking you to court. Do it while you are still together on the way, or your adversary may hand you over to the judge, and the judge may hand you over to the officer, and you may be thrown into prison."

Matthew 5:25-26 tells us to solve conflicts quickly. Jesus says settling issues early stops them from growing worse. This way, we avoid legal problems and keep peace with others. By fixing our mistakes, we show respect.

Jesus also teaches that sin involves how we think and feel about others. Making amends is a key part of living well with people around us. It leads us to act in love and treat even our enemies kindly, just as our Lord desires from us.

Leviticus 25:35-37

"'If any of your fellow Israelites become poor and are unable to support themselves among you, help them as you would a foreigner and stranger, so they can continue to live among you. Do not take interest or any profit from them, but fear your God, so that they may continue to live among you. You must not lend them money at interest or sell them food at a profit."

Leviticus 25:35-37 tells us to help people without wanting something in return. If they’re having a hard time, we should be there for them. This part of the Bible says not to make them pay extra.

It’s about being kind and fair, especially to those who need it most.

This teaches us generosity matters a lot. We have to show everyone kindness and not use their tough times for our gain. The Bible guides us on how to act right with money, showing that caring and helping are more important than getting rich.

Romans 13:7

"Give to everyone what you owe them: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor."

Romans 13:7 tells us to pay our debts, including taxes and giving honor where it’s due. This advice links finance management with love for others. By paying what we owe, we show respect and live by gospel values.

This principle of financial responsibility is key in Christian life. It goes beyond money. Settling debts shows love and respect towards others. It’s a way Christians can stick to their faith while respecting those around them.

Principles of Lending and Borrowing

An oil painting style image of one person lending money to another, capturing the principles of lending and borrowing.

The Bible talks a lot about money, especially lending and borrowing. God’s rules help us lend money in a good way. Deuteronomy 15:6 says we should lend to others but not borrow too much.

This keeps us free from debt, as Proverbs 22:7 also suggests.

In Exodus 22:25, the Bible teaches not to be tough on poor people by asking for extra money back.

Jesus went even further with this idea. In Luke 6:34-35, he said we should lend without waiting for anything in return. This shows love even to our enemies and spreads kindness freely.

These teachings focus on being fair, kind, and generous when handling money with others.

Deuteronomy 15:6

"For the Lord your God will bless you as he has promised, and you will lend to many nations but will borrow from none. You will rule over many nations but none will rule over you."

Deuteronomy 15:6 talks about security for debts. It tells people to lend to those in need. Every seventh year, we should forgive debts. This act of kindness helps our community.

Forgiving debts also means freedom from debt slavery. By doing this, we obey God’s command to love and support each other. We prevent the trap of endless debt for everyone.

Exodus 22:25

"If you lend money to one of my people among you who is needy, do not treat it like a business deal; charge no interest."

Exodus 22:25 teaches not to charge interest to poor people. This rule aims for fairness. It stops us from profiting off those in hard times. We should help, not burden, those who struggle with debt.

This guidance fosters justice in lending and borrowing. It reflects God’s fair spirit and his care for the needy. Following these rules helps build a community focused on support over profit.

Deuteronomy 23:19-20

"Do not charge a fellow Israelite interest, whether on money or food or anything else that may earn interest. You may charge a foreigner interest, but not a fellow Israelite, so that the Lord your God may bless you in everything you put your hand to in the land you are entering to possess."

Deuteronomy 23:19-20 teaches not to charge interest on loans to fellow Israelites. This promotes fairness and love for neighbors. It allows helping each other without gaining from their needs.

But, this rule lets people charge interest on loans to non-Israelites. This shows a special way of lending back then. These verses support social justice and caring actions in the community.

They also accept the norms of that era.

Psalm 112:5

"Good will come to those who are generous and lend freely, who conduct their affairs with justice."

Psalm 112:5 says being generous and fair when lending money is key. This part of Psalm 112 highlights the blessings for those who honor the LORD. It stresses kindness and honesty in financial dealings.

This verse encourages taking an active role in financesfocusing on generosity and justice. By doing this, we align with the Bible’s teachings on debt and managing money righteously.

It guides us to lend money responsibly, ensuring actions come from a place of goodness.

Luke 6:34-35

"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."

Luke 6:34-35 says we should love our enemies and help others without waiting for a thank you. Jesus showed us this by giving without expecting things back. He was kind to everyone, even those who were not nice to him.

This teaches us God’s way of loving.

By doing this, we act like God’s children. God is nice to everyone, good or bad. When we help others and don’t wait for something in return, we are being generous like Him. It’s a big change but helps us show real love and live out our faith.

This is about turning our hearts toward loving all people, no matter what they do to us. It challenges us to follow a new path that shines with the glory of God’s kindness.

Justice and Fairness in Financial Dealings

An oil painting style image of an employer paying an employee, capturing the essence of trust and support in financial dealings.

The Bible says to pay workers on time. Leviticus 19:13 tells us not holding back wages overnight is key. Deuteronomy 24:14-15 says workers need their pay before sunset, or they might ask God for help against us.

Ignoring the poor is bad, Proverbs 21:13 explains. If we don’t listen to their needs, our calls for help won’t be heard either. Amos 8:4-6 shows cheating and hurting the poor during religious holidays is wrong.

James 5:1-6 points out rich people living in luxury but not paying their workers are failing in God’s eyes.

These teachings remind us that fairness and kindness matter a lot in money dealings and treating everyone right is what God desires.

Leviticus 19:13

"Do not defraud or rob your neighbor. Do not hold back the wages of a hired worker overnight."

Leviticus 19:13 tells us to treat people right. It says not to steal or hold back pay from workers. This verse stresses fairness and timely payment in work matters.

It pushes us to love our neighbors by being honest about money. Following this rule creates a community of respect and care for everyone’s needs and rights.

Deuteronomy 24:14-15

"Do not take advantage of a hired worker who is poor and needy, whether that worker is a fellow Israelite or a foreigner residing in one of your towns. Pay them their wages each day before sunset, because they are poor and are counting on it."

Deuteronomy 24:14-15 tells us to treat workers fairly. It says not to make life hard for poor workers, whether they are part of our community or not. Moses reminded the Israelites about this rule.

We should pay them on time, every time. This shows we care and are fair.

The Bible talks a lot about economic justice here. It wants us to treat everyone well and protect workers from being taken advantage of. This part of the Bible teaches us to respect all workers, making sure they get paid when they should.

God wants us to be just in how we deal with others, always treating people right, especially those who need help most.

Proverbs 21:13

"Whoever shuts their ears to the cry of the poor will also cry out and not be answered."

Proverbs 21:13 tells us to listen and help those in need. It says that showing mercy is like giving to the Lord. Helping people who struggle or need money shows we understand God’s love.

By being generous, we follow God’s way of loving others. This teaches us to care for people facing hard times, as it reflects wisdom and honors God’s teachings on compassion.

Amos 8:4-6

"Hear this, you who trample the needy and do away with the poor of the land, saying, “When will the New Moon be over that we may sell grain, and the Sabbath be ended that we may market wheat?”— skimping on the measure, boosting the price and cheating with dishonest scales, buying the poor with silver and the needy for a pair of sandals, selling even the sweepings with the wheat."

Amos 8:4-6 tells us about rich merchants in Israel. These people were unfair. They cheated and did not care for the poor. They focused on getting more money, even if it meant hurting others.

For a small thing like a pair of sandals, they would make someone a slave.

The Bible clearly states that being unfair to the poor is wrong. It condemns trading needy people for silver or selling them because of tiny debts. The message strongly supports treating everyone with fairness and kindness, regardless of their social standing or wealth.

James 5:1-6

"Now listen, you rich people, weep and wail because of the misery that is coming on you. Your wealth has rotted, and moths have eaten your clothes. Your gold and silver are corroded. Their corrosion will testify against you and eat your flesh like fire. You have hoarded wealth in the last days. Look! The wages you failed to pay the workers who mowed your fields are crying out against you. The cries of the harvesters have reached the ears of the Lord Almighty. You have lived on earth in luxury and self-indulgence. You have fattened yourselves in the day of slaughter. You have condemned and murdered the innocent one, who was not opposing you."

James 5:1-6 talks to rich people who care too much about money. They are greedy and ignore others’ needs. This Bible part tells them that their riches won’t last. It advises caring more for how they treat people, especially those needing help.

Loving money a lot and being unfair to workers is wrong, says the Bible. Rich folks should use what God gave them wisely. They should not spend only on luxury but also help those in need.

Ignoring this advice can cause big problems later.

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Generosity and Assistance

An oil painting style image of a man donating money to a beggar in the street, both positioned at the same level to symbolize generosity and assistance.

The Bible tells us to be kind and help those in need. It says when we help the poor, it’s like lending to God—He will pay us back. This is written in Proverbs 19:17. Being generous shows love and fights poverty.

Jesus taught his followers to give quietly. They shouldn’t brag about it, as mentioned in Matthew 6:3-4.

Acts 2:44-45 talks about early Christians sharing everything they owned. This generosity made sure everyone had what they needed. Giving generously is not just good for others; it also honors God.

Proverbs 19:17

"Whoever is kind to the poor lends to the Lord, and he will reward them for what they have done."

Proverbs 19:17 teaches us that helping the poor is like lending to God. By giving to those in need, we’re essentially giving to God Himself. He promises a special repayment for showing kindness to less fortunate people.

This idea tells us to rely on God’s trustworthiness and underlines the significance of caring for othersMercy towards others comes with a reward from God that reflects His honor and demonstrates His love for sinners on their path to eternal life.

Matthew 6:3-4

"But when you give to the needy, do not let your left hand know what your right hand is doing, so that your giving may be in secret. Then your Father, who sees what is done in secret, will reward you."

Matthew 6:3-4 tells us to give quietly. Jesus said, don’t let your left hand know what your right hand is doing when you help others. Give in secret, and God who sees everything will reward you.

This teaches us to be sincere in our actions. By keeping our good deeds private, we prove that we’re helping others for the right reasons—not for praise or recognition from people around us.

Acts 2:44-45

"All the believers were together and had everything in common. They sold property and possessions to give to anyone who had need."

Acts 2:44-45 tells us about the early Christians. They were very generous. They shared all they had. This showed true love for their neighbors. They sold what they owned and gave to those in need.

This was them following Jesus’ teachings about caring for one another.

The early church made sure no one needed anything. Their actions show us how important it is to be generous and share, not just say we will but actually do it. This wasn’t about pushing an economic system but showing compassion and care—a way of living out faith by helping others without thinking of oneself.

These acts forgave others and supported everyone in the community.

2 Corinthians 9:6-7

"Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver."

2 Corinthians 9:6-7 talks about the joy of giving. It shows that giving a lot means getting a lot from God. But what counts is our attitude. We should give because it makes us happy, not out of guilt or pressure.

This idea is important today. Generosity should be a joy, not a duty. If we enjoy helping others, God appreciates it. He rewards those who share with happy hearts and trusts he will support us in return.

Luke 12:33-34

"Sell your possessions and give to the poor. Provide purses for yourselves that will not wear out, a treasure in heaven that will never fail, where no thief comes near and no moth destroys. For where your treasure is, there your heart will be also."

Luke 12:33-34 tells us to sell our stuff and help those in need. This way, we make treasures in heaven that won’t get old or stolen. Jesus said our real wealth is spiritual, not what we can touch or see.

Where we put our money shows where our heart is.

If we care more about people than things, our hearts are in a better place. Being generous makes us closer to what Jesus taught. It means loving people more than possessions.

What Does the Bible Verses About Debt?

The Bible talks a lot about money. Proverbs 22:7 tells us debt can make us feel trapped. It says owing money takes away our freedom and joy. Romans 13:8 tells us to love others and not have debts.

This means living without debt helps us care for our neighbors better.

The Bible warns against taking on debt for someone else or making promises we can’t keep. It teaches to owe nothing but love to anyone. This way, we live in peace without the stress of money problems.

The scriptures teach wise money management and how it affects our character and relationships.


Learning about what the Bible says on debt is really useful. It teaches us to be smart with money and stay away from debt. These verses give tips on how to handle money well for a better life without debts.

By using these lessons, we can get closer to being free in both our spirit and finances.

The Bible offers warnings to help us avoid financial traps. It also gives encouragement and advice for dealing with money in a good way. With this knowledge, we can live lives that are not weighed down by owing others.

Following what the Bible says can lead us toward both spiritual growth and financial stability.

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