借りる時の地蔵顔、済す時の閻魔顔(かりるときのじぞうがお、なすときのえんまがお)
Japanese vocabulary
Meaning: people look friendly when they ask for a loan but not so much when they repay it; when borrowing (the money), the face of the (bodhisattva) Kshitigarbha; when returning it, the face of the (hell king) Yama