King James Version

What Does Proverbs 27:13 Mean?

Proverbs 27:13 in the King James Version says “Take his garment that is surety for a stranger, and take a pledge of him for a strange woman. — study this verse from Proverbs chapter 27 with commentary, cross-references, and original Hebrew word analysis.

Take his garment that is surety for a stranger, and take a pledge of him for a strange woman.

Proverbs 27:13 · KJV


Context

11

My son, be wise, and make my heart glad, that I may answer him that reproacheth me.

12

A prudent man foreseeth the evil, and hideth himself; but the simple pass on, and are punished.

13

Take his garment that is surety for a stranger, and take a pledge of him for a strange woman.

14

He that blesseth his friend with a loud voice, rising early in the morning, it shall be counted a curse to him.

15

A continual dropping in a very rainy day and a contentious woman are alike.


Commentary

KJV Study Commentary
Take his garment that is surety for a stranger—This legal advice warns against careless financial guarantees. Hebrew ʿārab (עָרַב, surety) means pledging oneself for another's debt. Take a pledge (ḥābal, חָבַל) means seize collateral. For a strange woman (nokrîyâ, נָכְרִיָּה) may refer to a foreigner or adulteress—both suggesting foolish judgment.

This verse (repeated in 20:16) protects lenders from those with poor judgment. Someone willing to guarantee debts for unknown strangers or immoral relationships lacks discernment. The New Testament echoes this caution about hasty suretyship (Proverbs 6:1-5, 11:15), while Christ's substitutionary atonement inverts it—He became surety for His people (Hebrews 7:22).

KJV Study — Public Domain

Historical & Cultural Context

Ancient credit systems relied on personal guarantees and collateral. Taking someone's garment as pledge was regulated by Mosaic law (Exodus 22:26-27). Debt slavery was real, making reckless financial commitments potentially disastrous for entire families.

Reflection Questions

  1. How do you evaluate requests to co-sign loans or become financially responsible for others?
  2. What does Christ's willingness to be 'surety' for unworthy sinners teach about the costliness of redemption?
  3. Are there areas where you've made commitments without adequate discernment of the risks involved?

Original Language Analysis

Hebrew · 8 words
קַח1 of 8

Take

H3947

to take (in the widest variety of applications)

בִּ֭גְדוֹ2 of 8

his garment

H899

a covering, i.e., clothing

כִּי3 of 8
H3588

(by implication) very widely used as a relative conjunction or adverb (as below); often largely modified by other particles annexed

עָ֣רַב4 of 8

that is surety

H6148

to braid, i.e., intermix; technically, to traffic (as if by barter); also or give to be security (as a kind of exchange)

זָ֑ר5 of 8

for a stranger

H2114

to turn aside (especially for lodging); hence to be a foreigner, strange, profane; specifically (active participle) to commit adultery

וּבְעַ֖ד6 of 8
H1157

in up to or over against; generally at, beside, among, behind, for, etc

נָכְרִיָּ֣ה7 of 8

of him for a strange woman

H5237

strange, in a variety of degrees and applications (foreign, non-relative, adulterous, different, wonderful)

חַבְלֵֽהוּ׃8 of 8

and take a pledge

H2254

to wind tightly (as a rope), i.e., to bind; specifically, by a pledge; figuratively, to pervert, destroy; also to writhe in pain (especially of partur


Study Guide

Historical Context

This verse is found in the book of Proverbs. Understanding the historical and cultural background helps illuminate its meaning for the original audience and for us today.

Theological Significance

Proverbs 27:13 contributes to our understanding of God's character and His relationship with humanity. Consider how this verse connects to the broader themes of Scripture.

Cross-References

Verses related to Proverbs 27:13 from Treasury of Scripture Knowledge

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