25 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.
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.
When you loan money to someone, it is because they are in need. It should always be considered a charity.
You should never loan money that you expect to get back. You are not a bank. You should not take usury (interest payment) for the loan, and you should never accept collateral that is needed by the lender in order to survive and make a living.
God protects the poor and needy as well as He blesses the well-off. You only have because God gave it to you. Remember that.
God will not stand by and watch as His children are taken advantage of or used for profit. A man's worth is not his money, in God's eyes.
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