Deuteronomy 24:12 "You shall not sleep while holding his security"

Torah teaches us to be considerate when taking security for a loan.

If the borrower needs his security during the day, we should return it to him and collect it again at night.

For example, a poor farmer may have given his plow as security although he needs it to work.

Or the item may be needed at night, for example a quilted blanket which a poor person needs to sleep with. We must allow him to use it at night, and then collect it the next day.