Life is full of defining moments—starting a family, buying a home, planning a wedding, or pursuing new opportunities. These milestones often come with financial choices that call for both wisdom and faith. While debt can feel intimidating, borrowing can be part of wise stewardship when approached with prayer and purpose.

Scripture reminds us in Proverbs 22:7 that “the borrower is servant to the lender.” The Bible doesn’t forbid borrowing, but it does call us to handle commitments with integrity and discernment. When borrowing supports meaningful goals and is guided by faith, it can be a practical tool for managing life’s needs while honoring God’s provision.

Start with Prayer and Purpose

Before borrowing, take time to pray and seek clarity. Understanding why you are borrowing helps determine whether it aligns with wise stewardship. Are you meeting a need, solving a problem, or investing in something that adds long-term value?

If the answer is yes—such as paying for home repairs, covering an unexpected cost, or financing education—borrowing can be appropriate. But if the motivation is comparison or impulse, it may be better to wait. Prayer brings perspective and helps ensure financial choices reflect faith rather than pressure.

Count the Cost Before You Commit

In Luke 14:28, Jesus says, “For which of you, desiring to build a tower, does not first sit down and count the cost?” The same applies to borrowing. Before taking on a loan, consider what repayment will look like in daily life.

According to the Federal Reserve, more than 60% of Americans carry some form of debt outside of their mortgage. Yet those who plan ahead and budget repayments are far more likely to stay financially stable.

Ask yourself:
• Can I afford the monthly payment and still give, save, and meet my obligations?
• Does this loan serve a meaningful purpose or just a temporary want?
• Have I compared interest rates, terms, and fees?
• Will this decision bring peace or strain?

If the rising cost of living feels overwhelming, take time to pray, adjust your budget, and explore ways to save before borrowing. Trust that God will provide what you need. Borrowing is a commitment, not a convenience, and counting the cost helps protect your financial peace.

Choose Debt Wisely

Not all debt is equal. Some borrowing builds value, while other types can create lasting stress. A mortgage or student loan may strengthen your future, while high-interest consumer debt often limits flexibility.

A 2024 LendingTree study found that personal loan balances in the U.S. now average around $10,000, often used to consolidate higher-interest credit card debt. That’s a smart example of how debt can be used strategically, not wastefully.

Wise borrowing supports growth, stability, and stewardship. Wasteful borrowing often fills short-term desires or maintains an image. Good stewardship does not mean avoiding loans altogether; it means choosing them with care and keeping God at the center of each decision.

Borrow with Integrity and a Plan

Romans 13:8 says, “Let no debt remain outstanding, except the continuing debt to love one another.” Borrowing responsibly is an act of faithfulness. Making payments on time, understanding your commitments, and maintaining honesty all reflect biblical integrity.

To borrow wisely:
• Work with lenders who are transparent about terms and fees
• Automate payments to stay consistent
• Keep a small emergency fund to avoid new debt
• Make extra payments when possible to shorten repayment time

According to Experian, borrowers who automate payments are 25% less likely to miss due dates. Responsible habits like these not only build credit but also demonstrate reliability and faithfulness.

Borrow with Purpose

When handled with prayer and planning, borrowing can be part of faithful stewardship—helping you meet needs, support your family, or pursue the goals God has placed on your heart.

For life’s big moments, a personal loan from AdelFi offers a simple, flexible way to stay on track financially while keeping your faith at the center of your decisions. With clear terms, fair rates, and guidance grounded in biblical values, AdelFi is here to help you borrow with confidence and purpose.