25 If you loan money to any of the poor among My people, do not treat them as borrowers and act as their creditors by charging interest. 26 If your neighbor gives his coat to you as collateral, then be sure to give it back before night falls—even if he has not repaid you in full. 27 You see that coat covers his body and may be his only protection against the cold. What do you think he would sleep in? When he calls out for Me, I will hear his cry. I am kind and compassionate as you should be when a fellow Israelite is in need.