Charles Ellicott Commentary Deuteronomy 24:10-13

"When thou dost lend thy neighbor any manner of loan, thou shalt not go into his house to fetch his pledge. Thou shalt stand without, and the man to whom thou dost lend shall bring forth the pledge without unto thee. And if he be a poor man, thou shalt not sleep with his pledge; thou shalt surely restore to him the pledge when the sun goeth down, that he may sleep in his garment, and bless thee: and it shall be righteousness unto thee before Jehovah thy God." — Deuteronomy 24:10-13 (ASV)

When you do lend. —The law in these verses is evidently the production of primitive and simple times, when people had little more than the bare necessaries of life to offer as security—their own clothing, or the millstones used to prepare their daily food, being almost their only portable property. .

It shall be righteousness. —LXX., it shall be alms, or mercy. In other words, Blessed are the merciful, for they shall obtain mercy.