Ramban on Exodus 22:26/רמב"ן על שמות כ״ב:כ״ו

1AND I WILL HEAR FOR I AM GRACIOUS — showing favor and accepting everyone’s supplication even though he is unworthy, the word chanun (gracious) being derived from the word chinam (for nothing). And the meaning of the verse is that you should not think: “I will not take the righteous man’s garment as a pledge, but the garment of a man who is not righteous I will take as a pledge and not return to him, for G-d will not hear his cry.” Therefore He said, for I am gracious and I hear the cry of all who beseech Me.