The bible doesn't say anything about the church asking for money; but tithing is a commandment of God so if you want to be in God's graces you should give 10% of your earnings to a worthwhile charity like the food bank or charities that help the poor and the sick.
Assuming a church can legally make a loan to the member, the church must make the loan on commercially reasonable terms. This means the loan must have the same terms and conditions as a loan from a bank or other lender.
A church should never be in debt. The pastor is responsible for bringing in the sheep and speaking of the church members about their fiinanical obligations. The trustee's are responsible for the budget and advisory to money circumstances. The Pastor should have a job.
Exodus 22:14 - If anything is borrowed, it should be paid back. If what is borrowed is lost or injured, full restitution must be made. Ps 37:21 - The wicked borrows but does not pay back, but the righteous is generous and gives. The Bible is clear that when something is borrowed is should be paid back.
Luke 7:41-50 New Living Translation (NLT)
Then Jesus told him this story: “A man loaned money to two people—500 pieces of silver to one and 50 pieces to the other. But neither of them could repay him, so he kindly forgave them both, canceling their debts.
Biblical prohibitions on usury were later redefined as prohibitions on lending at excessive interest rates. Today, charging interest on loans is an everyday part of life. Modern Christian leaders condemn excessive interest rates, but not the lending of money itself.
Many churches have a designated financial committee or board that oversees financial matters. Members of the financial committee have a solid grasp of the church's financial requirements or have experience with finances.
In the Old Testament, as the Levitical priests were the civil government, tithes were required taxes for funding the national budget in Israel. By the New Testament, Christians were not commanded to tithe anymore but rather encouraged to voluntarily give to the church (and to God) in proportion to their wealth.
Matthew 6:12. 12 And forgive us our debts, as we also have forgiven our debtors.
At WatersEdge, we use a ratio of debt to income to determine a safe loan amount for a church. We consider a loan equal to 25 percent of annual budget receipts to be the max level of debt a church should take on.
It doesn't say that it's a sin to borrow
While the Bible offers many warnings about the dangers of debt, it never says that you are out of God's will or violating one of God's commandments when you borrow. We can debate the wisdom of incurring debt under certain circumstances, but it's never a black-and-white issue.
Churches often designate certain funds to give to those in their community experiencing financial needs. The needs may arise from issues such as unemployment, disability, natural disasters, or illness.
It should pay for evangelistic and missionary work, including logistic expenses for meetings and training (Acts 18:5; Philippians 4:15,16; 1 Corinthians 9:4-11). It should give to the needs of the Christian poor (Galatians 6:10; John 12:8; Luke 10:30-37; Matthew 19:21).
Paul declares that he and his co-workers are not this, not peddlers of God's Word. Instead, they are honest men, sent out by God. They speak in Christ, and they speak in the sight of God. Their message is trustworthy, because it comes from God, who sent them. Context Summary.
The Bible says we should give because we want to, and “not reluctantly or under compulsion, for God loves a cheerful giver” (2 Corinthians 9:7). At the same time, churches and other ministries need money to operate; to be blunt, if they don't have any, they'll go out of existence.
Church Debt Tolerance
The Bible is clear that taking on debt should not be taken lightly. However, the Bible is also clear that vision is essential. Faith requires risk. In no place does the Bible explicitly call debt a sin.
Many churches have benevolence funds to help people (primarily members) get through a financial rough patch. But many folks who readily support their church having a benevolence fund would find it difficult to ask for help from it.
God loves a cheerful giver and someone who wants to give back to the Lord because of everything he has done for them. If a member of your church isn't sure how much to give, the Bible tells us that God asks for 10% as a tithe for all he has given us.
In general, a religious organization or church can borrow up to four times the gross income from tithes and offerings.
Investment income from historic resources contributes towards the running costs of each diocese. Still, the bulk of the funding is dependent upon the voluntary contributions made by each local parish church. In church-speak, this is what is known as 'Parish Share'.
Both the elders and the members have borrowed authority. The church submits to the borrowed authority of the elders while the elders submit to commissioning authority of the church; both have authority only as they submit to the final authority of the Lord Jesus made known through his Word.
There are no verses in the Bible that say you should give money to a church. All verses in the New Testament about giving money specifically say to give your money to other people: elders, the saints, and the poor or those in need.
“You shall not make any cuts on your body for the dead or tattoo yourselves: I am the Lord.” What does the Bible say about tattoos? That's it—that one line in Leviticus 19:28 of the Old Testament. But context is key—and this scripture may not apply to us in the way it looks.
Deuteronomy 15:8 says, “You shall open your hand to him and lend him sufficient for his need, whatever it may be.” Turning to the New Testament, in the Sermon on the Mount, Matthew 5:42, Jesus says, “Give to the one who asks you, and do not turn away from the one who wants to borrow from you.”