¹⁰“When you make a loan to your neighbor, a loan of any kind, you shall not go into his house to take his pledge.^y ¹¹You shall wait outside, and the man to whom you are lending, he shall bring the pledge outside to you. ¹²And if he is a needy man, you shall not sleep in his pledge.^z ¹³You shall certainly return the pledge to him as the sun sets,^a so that he may sleep in his cloak and may bless you, and it shall be considered righteousness on your behalf^b before^c Yahweh your God.

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Footnotes

yLiterally “to pledge with respect to his pledge”
z“His pledge” refers to “a garment given as pledge”
aLiterally “as/at the moment of the going out of the sun”
bLiterally “to you”
cLiterally “to the face of”

In other versions

ESVEnglish Standard Version

“When you make your neighbor a loan of any sort, you shall not go into his house to collect his pledge. You shall stand outside, and the man to whom you make the loan shall bring the pledge out to you. And if he is a poor man, you shall not sleep in his pledge. You shall restore to him the pledge as the sun sets, that he may sleep in his cloak and bless you. And it shall be righteousness for you before the Lord your God.

NIVNew International Version (2011)

When you make a loan of any kind to your neighbor, do not go into their house to get what is offered to you as a pledge. 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. 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.

CSBChristian Standard Bible

“When you make a loan of any kind to your neighbor, do not enter his house to collect what he offers as security. Stand outside while the man you are making the loan to brings the security out to you. If he is a poor man, do not sleep with the garment he has given as security. Be sure to return it to him at sunset. Then he will sleep in it and bless you, and this will be counted as righteousness to you before the Lord your God.

NLTNew Living Translation

“If you lend anything to your neighbor, do not enter his house to pick up the item he is giving as security. You must wait outside while he goes in and brings it out to you. If your neighbor is poor and gives you his cloak as security for a loan, do not keep the cloak overnight. Return the cloak to its owner by sunset so he can stay warm through the night and bless you, and the Lord your God will count you as righteous.

KJV 1900King James Version

When thou dost lend thy brother any thing, thou shalt not go into his house to fetch his pledge. Thou shalt stand abroad, and the man to whom thou dost lend shall bring out the pledge abroad unto thee. And if the man be poor, thou shalt not sleep with his pledge: In any case thou shalt deliver him the pledge again when the sun goeth down, that he may sleep in his own raiment, and bless thee: and it shall be righteousness unto thee before the Lord thy God.

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