Buy Here – Pay Here

Oppressing the poor to enrich oneself, and giving to the rich both lead only to poverty. Proverbs 22:16 HCSB

There are many car lots that advertise “Buy Here – Pay Here”. Some, but not all charge an excessive interest rate on the money and make the payments low so that the buyer is basically paying the interest and paying very little toward the principal of the loan. If a person misses a payment, the car lot can reposess the car and sell it to another individual. This is taking advantage of the poor because many people who visit these lots have been financially unable to secure a conventional loan through a bank.

This proverb warns against oppressing the poor so as to make more money for oneself. We should look for ways to help the disadvantaged rather than make money off of their condition and cause them even more pain and financially difficulties. This proverb also warns against giving to the rich. This is usually done to gain favor, a privilege, or an advantage in some situation or business deal.

Challenge: Live a life of integrity and treat others as you would want them to treat you. Be fair in your interactions and seek ways to help the poor rather than take advantage of them. Remember that as a believer you represent Jesus Christ in all of your actions and business dealings. Ask God to give you wisdom and direction as you discover how you can assist the poor and needy in your community.

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