/ˈplɛdʒər/ – Noun
Definition: người cầm cố, người đi vay có thế chấp.
A more thorough explanation: A pledger is a person who pledges or offers something as security for a loan or obligation. In legal terms, a pledger is someone who gives a pledge, which is a promise or guarantee to pay a debt or fulfill an obligation.
Example: The pledger agreed to transfer ownership of the car to the lender if they failed to repay the loan.