WHAT WE ARE CONCERNED WITH IS BORROWING MONEY AT INTEREST-(Heb. Daneizo), not other forms of ‘borrowing’, i.e. Heb Sha’al. Lending without interest is commended, but usury is denied.
Exodus 22:25 If thou lend money to any of my people that is poor by thee, thou shalt not be to him as an usurer, neither shalt thou lay upon him usury.
The principle against borrowing at interest is established under the law, and is expressed clearly in the following two verses.
Deuteronomy 15:6 For the LORD thy God blesseth thee, as he promised thee: and thou shalt lend unto many nations, but THOU SHALT NOT BORROW; and thou shalt reign over many nations, but they shall not reign over thee.
Deuteronomy 28:12 The LORD shall open unto thee his good treasure, the heaven to give the rain unto thy land in his season, and to bless all the work of thine hand: and thou shalt lend unto many nations, and THOU SHALT NOT BORROW.