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What are Pawn Shop Loans?


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In this episode of Money Creation Explained we are going to cover What are Pawn Shop Loans?

There are over 9,250 Pawn Shops in the US and they serve customers from all walks of life. Many people use Pawn Shops to sell their valuables when they are in need of quick cash. Pawn shops then resell those items to others in their store and online. Pawn Shops also offer cash loans for valuables when the person does not want to sell but rather only wants a loan.

For example, you bring in an item of value to the pawnshop and it is worth $1,000. The pawnbroker offers you a loan that is typically 25% of its resale value ($250) with a financing fee of usually between 10% - 25% each month (which translates to around 200% APR). You usually have 1- 3 months to pay back the loan depending on that particular Pawn Shop. If you do not repay the loan on time, the Pawn Shop can then sell the item for its full value and you will not get reimbursed if your item sold for more than the loan amount. The Pros include fast cash, and no credit report requirements or consequences. The Cons include expensive fees, low loan amounts, possibly losing your item, and no credit benefits.

An alternative solution would be Secure Loans which is a service offered by IOU Notes. It allows users to leverage their own funds to obtain small loans for personal and business use as needed and never pay more than 5% interest per year on those funds. Using our service a user can have a dependable emergency loan option, help build or rebuild their credit, budget their money better, and stop paying high interest fees from other loans. This service was created because of the need for affordable small loans.

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