Is It A Sin To Borrow Money?
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Is It A Sin To Borrow Money?


I remember the first time I borrowed money. I was in college, and I was short on cash. I had a few weeks until my next paycheck, so I borrowed from my friend.

At the time, I felt terrible. I knew I was borrowing money I couldn’t afford to pay back, and I was worried about what would happen if my friend asked for it back. In the end, everything worked out okay, but the experience left a bad taste in my mouth.

Ever since then, I’ve been hesitant to borrow money. Sometimes I feel guilty about it. Is it a sin to borrow money? That’s a question that’s been on my mind lately…

Is Lending Money With Interest A Sin?

What Does the Bible Say About Taking Money Out on a Loan?

When it comes to borrowing money, the Bible is pretty straightforward: “Owe no one anything, except to love one another” (Romans 13:8). In other words, as long as you’re not indebted to anyone, you’re in the clear.

But what does that mean for taking out a loan? From that verse, we can gather that it’s not a sin to borrow money as long as you’re not indebted to anyone. And if you are indebted, you should do your best to repay what you owe as quickly as possible.

But what about interest rates? The Bible doesn’t really say anything about that. The idea of charging someone interest for borrowing money wasn’t until the 18th century. So it’s up to each individual to decide what they believe is fair.

What Are the Different Types of Loans Available, and Which Ones Are Acceptable for Christians?

One of the most common questions I’m asked is whether it’s a sin to borrow money. The answer, like most things in life, is complicated. There are a variety of loans available, and each has its own set of pros and cons.

Some loans, like a mortgage or a car loan, are acceptable for Christians. These loans are typically used to purchase something that will have long-term value, like a house or a car. Other loans, like credit cards or payday loans, are not as widely accepted.

The important thing is to be responsible with your borrowing. Don’t take on more debt than you can realistically pay back. And always make sure to read the terms and conditions of any loan agreement carefully before you sign on the dotted line.

Is It Okay to Take Out Loans for Necessities?

There’s a lot of debate on this topic, but I think the answer is a qualified “yes.” You don’t want to get into the habit of taking out loans for unnecessary items, but if you’re in a bind and need to borrow money for a necessary expense, I don’t think that’s a sin.

For example, let’s say you need to take out a loan to fix your car so you can get to work. That’s not a luxury—it’s a necessity. You will not be able to get to your job or provide for your family if you can’t get around. So, in that case, I think it’s okay to borrow money.

But if you’re borrowing money for a new TV when you could easily save up for it over time, that’s probably not such a good idea. You’re better off waiting until you have cash, so you don’t have to worry about paying back the loan.

Is Borrowing Money to Start a Business Permissible?

So, is it a sin to borrow money to start a business? The simple answer is: it depends.

There are a few things you need to take into consideration before deciding if borrowing money to start a business is something you should do. First, it’s important to consider the amount of money you’re borrowing. If you’re only borrowing a small amount of money, you’re unlikely to get into serious financial trouble.

However, if you’re borrowing a large amount of money, there’s a greater risk that you won’t be able to repay the loan. This could lead to financial ruin, which you definitely want to avoid.

Another thing to consider is the purpose of the loan. If you’re borrowing money for a good reason, such as to start a business that will help others, then it’s more likely that God will bless your efforts. However, if you’re borrowing money for something less honorable, such as a liquor store or a slot machine repair shop, then it’s less likely that God will look favorably on your actions.

Ultimately, it’s up to you to decide if borrowing money to start a business is something you’re comfortable with. If you’re not sure, it’s always best to err on the side of caution and avoid taking on too much debt.

Are There Ways to Get Money That God Doesn’t Condemn?

Yes, there are ways to get the money that God doesn’t condemn. If you require money and cannot get it any other way, then borrowing money may be the only option.

The key is to make sure you borrow only what you need and repay the debt as soon as possible. Borrowing money should not be a way of life but rather a way to get through a difficult situation.

If you can repay the debt quickly, borrowing money can be a good way to get the money you need without incurring God’s condemnation.

How Can I Best Repay Debts and Be Used by God?

The Bible is clear that we are to repay our debts (Romans 13:8). But how can we best do that?

First, we need to be good stewards of the resources God has given us. That means using our money wisely and not spending more than we have.

Second, we need to be disciplined in our spending. We should develop a budget and stick to it.

Third, we need to be intentional about paying off our debts. We should make a plan and set a goal to be debt-free.

Fourth, we need to trust God with our finances. He is the ultimate provider and knows what we need.

Finally, we need to use our money to further God’s kingdom. We should give generously to His work and help those in need.

If we are faithful in these things, God will bless us and use us to bless others.


Is It A Sin To Borrow Money

I don’t think it’s a sin to borrow money as long as you’re not borrowing money to pay for things you know you need and can’t afford. Sometimes you need to borrow money to survive, and that’s not a sin. God knows what we go through in this life, and he understands that we sometimes have to borrow money to make it through.

Pastor Duke Taber
Pastor Duke Taber

Pastor Duke Taber

All articles have been written or reviewed by Pastor Duke Taber.
Pastor Duke Taber is an alumnus of Life Pacific University and Multnomah Biblical Seminary.
He has been in pastoral ministry since 1988.
Today he is the owner and managing editor of 3 successful Christian websites that support missionaries around the world.
He is currently starting a brand new church in Mesquite NV called Mesquite Worship Center, a Non-Denominational Spirit Filled Christian church in Mesquite Nevada.