"Scout," said Atticus, "nigger-lover is just one of those terms that don't mean anything—like snot-nose. It's hard to explain—ignorant, trashy people use it when they think somebody's favoring Negroes over and above themselves.
The Cunningham's is a middle class group. They wouldn't accept things because they know they cant pay it back.
"I got somethin' to say an' then I ain't gonna say no more. That nigger yonder took advantage of me an' if you fine fancy gentlemen don't wanta do nothin' about it then you're all yellow stinkin' cowards, stinkin' cowards, the lot of you.