Stay outside and let the neighbor to whom you are making the loan bring the pledge out to you.
If the neighbor is poor, do not go to sleep with their pledge in your possession.
References for Deuteronomy 24:12
Return their cloak by sunset so that your neighbor may sleep in it. Then they will thank you, and it will be regarded as a righteous act in the sight of the LORD your God.
References for Deuteronomy 24:13