Borrow: Understanding the Ethics and Responsibilities of Taking Loans

To borrow is to have access to and use what belongs to another. Most commonly this term is used in reference to money, but it applies equally to physical goods, time, and even trust. In a world where credit is easily accessible, understanding the moral, practical, and relational implications of borrowing is essential.

The Wisdom of Restraint in Borrowing

Many people and nations live beyond their means, accumulating debt to the point where it severely limits their future. The burden of interest alone can make repayment overwhelming. The Bible offers timeless wisdom: “The borrower is servant to the lender” (Prov 22:7). This highlights a fundamental truth—borrowing creates obligation. Until the loan is repaid, the borrower is under the authority of the lender (Mt 18:23–25).

Before taking on any debt, consider these critical questions:

Do I really need the item I am borrowing for?
Is this purchase necessary before I can afford to pay for it outright?
Can I realistically service the loan, including interest and fees?
Are the goods or services truly value for money?

Generosity and Christian Lending Practices

Jesus taught, “Give to the one who asks you, and do not turn away from the one who wants to borrow from you” (Mt 5:42). This radical call to generosity has inspired many Christian communities to establish interest-free lending circles and mutual aid funds. These initiatives reflect a commitment to compassion over profit, helping those in financial distress without exploiting their vulnerability.

Responsibility and Stewardship in Borrowing

When borrowing equipment, tools, or other property, the borrower assumes responsibility for its care. Any damage incurred during use should be repaired or compensated for. Promptly returning borrowed items is a sign of respect and integrity.

Paul extended this principle metaphorically, urging believers: “Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellow-man has fulfilled the law” (Rom 13:8). In this sense, love becomes the only perpetual obligation—one that enriches rather than burdens.

Treat whatever you borrow better than if it was yours

Reflection and Application:

Am I currently living within my means, or am I relying too heavily on credit?
Have I ever lent something to someone who damaged or failed to return it? How did that affect our relationship?
Could my church or community establish a small, interest-free loan program to support those in need?
How can I cultivate a mindset of gratitude and responsibility when using resources that aren’t mine?

See also: budgeting, contentment, debts, extortion, interest, money, obligation.