We can be thankful that in some of the verses that we could easily skip past without thought, that actually, they reveal the tender heart of God for those who may end up in debt and even those who may end up not being able to sleep because of the cold.
“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. 26 If you take your neighbour’s cloak as a pledge, return it by sunset, 27 because that cloak is the only covering your neighbour has. What else can they sleep in? When they cry out to me, I will hear, for I am compassionate.” (Exodus 22:25–27)
Did you notice it? God knows about items handed over as security for a loan.
Lending to a poor neighbour was not meant to be for gain. They were not to profit from someone else’s pain. Credit was to be an act of kindness.
Those who used their cloak for the day and as protection at night (they had only one cloak) must never have it taken from them permanently. To stress the point, we are left with this question: What else can they sleep in?
Slow down for a moment: God thinks about the cold temperatures the poor man may be enduring, and He says something beautiful that leaves us compelled to help: When they cry out to me, I will hear, for I am compassionate.
God has never been impressed by worship that leaves a neighbour cold.
Compassion is not a feeling we admire in God; it is a character He expects to see reproduced in His people.
At the cross, the soldiers took Jesus’ garments and gambled for them (John 19:23–24). He clothes us now with the garments of salvation (Isaiah 61:10).
The God who heard the poor man’s cry heard ours. He did not demand interest. He paid the debt. God is indeed tender.

