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Sell antiques online for emergency personal cash, use vintage items for fast money or loans by dealing with local pawn shops near you.

What are the few things you should know about a pawn shop?

First and most important thing to know about a pawn store is that they are actually safe. Unlike what you might have seen on movies, pawn store are actually state regulated and are legal business that provide small secured loans based on collateral. Pawn stores are considered to be the saviour of the troubled. In other words, if a person runs into a financial crisis and has a quick need of cash, pawn shops are the best places to go. With a pawn shop, a person has to bring valuable items such as jewelry, electronics, tools, gold, silver, coins and such to get a quick loan or fast cash.

The interest rate on pawn loans are state regulated, but there are situations where a pawn shop would offer a lower interest rate compared to others. To find the better interest rate, the best thing to do would be to approach 2 to 3 pawn stores in the area and get a quick appraisal from all of them. This would also provide with a good idea of what the price of the item would be. Most of the time, pawn shop interest rate are usually low. This is because the loans are not meant to be as heavy as a bank loan or such. This are short "unforseen financial crisis" loans which are used by customers to help them survive the difficult times. They are set by state law in most cases but in some situations a pawn broker may reduce his interest rate to out price the competition. But how do you know if that’s going on?


There is a very simple trick behind finding out if the pawn shops in your area are having a "battle" by reducing their rate prices. Picking up the directory or logging on to the internet will give you the numbers for your local pawn stores and by calling them, one could easily find out if there is competitive interest rate in the market. Unfortunately, there isn't a centralised registry and hence calling individual pawn shops would be your only bet and figuring out the interest rates. But on an average, one could say that 5% interest rate is what could be found.

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