Exodus 22:26

While the taking of interest is forbidden, the taking of a pledge for repayment of a loan is sanctioned, and frequent reference is made in Scripture to the practice: see e.g. Amos 2:8; Job 22:6; Job 24:9; Deuteronomy 24:6. The outer garment of the Israelite (the simlah) is a kind of cloak or plaid about 4 ft. square, which may be used as a coverlet by night. In the case of a poor man this might be the only thing he could give as a pledge, in which case he is to be allowed the use of it each night: cp. Deuteronomy 24:12, and for a similar humane precept, Deuteronomy 24:6 of that chapter.