: Aruch HaShulchan, Hilchot Tzedakah, 250:1

How much do you give to the poor? It is written: “You shall surely open your hand to the poor, and you shall surely lend a poor person according to their need, what they lack.” It is taught in Sifrei: Why are all these things said? As if to say all of these repetitions, because ‘according to their need’ is enough. How much the more so if it was written ‘according to their need, what they lack;’ then why is it written “lo”? To teach you that you cannot give equally to everyone, but give to each person according to their way of life before this time. To this it is written “lo” as if to say according to that person’s stature. As for the repetition of “what they lack”, it seems that if the statement “their need” were said alone, I would have said that this only refers to eating and drinking. This comes to teach us ‘what they lack,’ as if to say whatever clothes and household items and ornaments that person lacks. It is written “lo” as if to say that in all these things according to that person’s standard of living. [Translation by Rabbi Bruce Elder. Edited for gender neutrality]