# a moneylender

"one who lends money"

# charge him interest

"charge him extra money for borrowing" or "charge him extra money for the loan"

# garment in pledge

"coat as collateral" or "coat as a guarantee to repay the loan"

# only covering

"only coat" or "only garment to keep him warm"

# What else can he sleep in?

This question adds emphasis. You can translate it as a strong statement. AT: "He will have nothing to wear while he sleeps!" (See: [[rc://en/ta/man/translate/figs-rquestion]])

# compassionate

"merciful" or "gracious"