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.