借りる時の地蔵顔、なす時の閻魔顔
かりるときのじぞうがおなすときのえんまがお
people look friendly when they ask for a loan but not so much when they repay it
逢魔が時 is read as おうまがとき (ouma ga toki) and means twilight (traditionally regarded as a time when accidents and disasters are frequent).
おうまがとき
ouma ga toki
かりるときのじぞうがおなすときのえんまがお
people look friendly when they ask for a loan but not so much when they repay it