Stay outside and let the man to whom you are making the loan bring the pledge out to you.
If the man is poor, do not go to sleep with his pledge1 in your possession.
References for Deuteronomy 24:12
Return his cloak to him by sunset2 so that he may sleep in it.3 Then he will thank you, and it will be regarded as a righteous act in the sight of the LORD your God.4
References for Deuteronomy 24:13