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.

The special considerations for the poor and vulnerable continue in these verses. Usury means interest, and so God is stating that any money loaned to a poor man must not carry any interest. The poor man would pay back the same amount that he borrowed, no more. Why would anyone give a loan without interest? Presumably as an act of aid and kindness. If a person wanted to be kind, why not simply give the money in full? Perhaps to protect the honor of the borrower, or because having one’s money returned back allows for helping even more people with the same resource over and over.

It is further stated that if a neighbor offers his cloak as collateral on something, you must not keep it from him overnight. He will use it to keep warm through the night, and presumably give it back as continued collateral in the morning until he has returned the goods or money that it stands for.

In both of these laws, we see compassion, not greed, as the basis for loaning to the poor and one’s neighbor. It is to let someone be helped out for a little bit with what you have, at no loss to them. These laws show that even if we are not doing a full-blown charity, we can still help, expecting nothing in turn.