Romans 13:8
8Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law.
From dues to magistrates Paul passes to general duties (Wesley). “Owe no one anything, except to love one another”—an eternal debt “which can never be sufficiently discharged; but yet if this be rightly performed, it discharges all the rest.” He that loves another as he ought “hath fulfilled the whole law toward his neighbour.”
Love is not a mood that replaces the commandments; it is the living way they are kept. The debt remains open on purpose. A church that has paid Caesar can still default on the neighbor. Arminian readers hear a fulfillment: love, rightly performed, actually does the law’s neighbor-work—not a fiction, and not a ladder of merit, but the life grace trains.
Calvin would rather take the words simply: the precept about magistrates belongs to the law of love. “He then who introduces anarchy, violates love; for what immediately follows anarchy, is the confusion of all things.” He who loves his neighbor has fulfilled the law—hypothetically. “Paul declares not what men do or do not, but he speaks hypothetically of that which you will find nowhere accomplished.” Keeping the law would be true righteousness; “as no one performs it, and never has performed it… the only refuge is in the grace of Christ.”
Love is the summary of neighbor-duty, including civic order. It is not a second justification. We owe love daily; we do not finish the bill and then rest in our performance. Refuge remains Christ.
Key contrast Both take the unpaid debt of love as true and as the summary of duty to neighbor. Arminians follow Wesley: if love is rightly performed it discharges the rest and fulfills the law toward the neighbor. Reformed Christians follow Calvin: the fulfillment is hypothetical, nowhere accomplished, so this verse cannot fund justification by works; the only refuge is the grace of Christ.