en_tn_lite_do_not_use/exo/22/25.md

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"