Which type of security interest allows a creditor to take possession of property and return it upon payment of debt?

A pledge is a type of security interest that involves a debtor providing physical possession of personal property to a creditor as collateral for a debt. This arrangement allows the creditor to take possession of the property and hold it until the debtor satisfies the terms of the debt. Once the debt is paid, the creditor is obligated to return the property to the debtor. This practice provides security to the creditor while allowing the debtor to retain ownership of the property until the debt is settled.

The other options do not fit this definition. A trust involves a fiduciary relationship where property is held by one party for the benefit of another and does not specifically pertain to securing a debt through possession. A lease involves the right to use property for a specified period in exchange for payment, which does not provide the creditor with security over the property in the same sense as a pledge. Liens are legal claims against property to secure payment, but they do not give creditors possession of the property; instead, they provide a right to claim it if the debt remains unpaid. Thus, in the context of a creditor taking possession of property with the intention of returning it upon payment of debt, a pledge is indeed the correct answer.