Exodus 22:25

אם חבל תחבל IF THOU TAKE TO PLEDGE — The root חבל never signifies “taking a pledge” at the time when the loan is transacted, but it means taking the goods of the debtor when the date of payment arrives and he does not pay (Bava Metzia 114b). [חבל תחבל — Scripture bids you take the pledge repeatedly — even many times (that is, repeatedly to defer the time of payment). The Holy One, blessed be He, says as it were: “How much do you owe Me! See, your soul ascends night by night to Me and renders account of its doing and so becomes My debtor, and should be kept as a pledge; and yet I return it to you every morning. Thus, too, you should do: take the pledge and restore it, take it again and again restore it!”) (Midrash Tanchuma, Mishpatim 16)]. עד בא השמש תשיבנו לו RESTORE IT UNTO HIM TILL THE GOING DOWN OF THE SUN — Restore it unto him for the whole day until the sun-set, and at night-fall you may take it again till the day-break of the next morning. Scripture speaks here of garment which is worn during the day and which is not required during the night (Bava Metzia 114b).

אִם־חָבֹ֥ל תַּחְבֹּ֖ל שַׂלְמַ֣ת רֵעֶ֑ךָ עַד־בֹּ֥א הַשֶּׁ֖מֶשׁ תְּשִׁיבֶ֥נּוּ לֽוֹ׃

If thou at all take thy neighbour’s garment for a pledge, thou shalt deliver it to him by sundown: