'If you lend silver to My people, to the needy one with you' means giving instruction to those who have no knowledge of truth and still have a desire to learn it. 'You shall not be like a money-lender' means that it must be done in a spirit of charity. 'You shall not charge him interest' means that therefore it must not be done for the sake of gain to be acquired from it. 'If you ever take your companion's clothing as a pledge' means if factual knowledge of truth is dispersed by illusions that are a product of sensory impressions. 'You shall restore it to him even at the going in of the sun' means that it is to be restored before the arrival of a state of shade induced by delights belonging to external kinds of love. 'For this is his only covering' means because sensory impressions lie on a level below more internal things. 'It is his clothing for his skin' means that they also clothe relatively external things. 'In which he may sleep' means resting on them. 'When he cries out to Me' means pleading to the Lord. 'I shall hear' means help. 'For I am merciful' means that such help comes wholly from Him, out of mercy.