Benefits of Going to the Closest Pawn Shop Instead of a Retail Store

 Pawn shops have been around for centuries. In fact, the first ones came on the world scene more than 3000 years ago as a way for people to sell goods and borrow money when needed.  They were an important part of the financial fabric of a community.

 

Pawn shops have been around longer than most businesses for a good reason: they’re the best way to find high-quality items at affordable prices. But there’s more to pawn shops than being able to get a great deal.  Here’s more of the advantages of shopping at pawn shops.

 

 

  1. You will get an accurate appraisal of the value of your items

When you take an item to a pawn shop to sell or use as collateral for a loan, the staff will determine how much it’s worth.  Good pawn shops have experienced staff with the knowledge necessary to give you a good price.  They will examine the item in detail, make sure the components are in good condition then use their knowledge of the market, the demand, and the buying history of that item and items like it to give you a fair price.  You are free to accept the price, or not, but you never have to determine the value of your items or negotiate with prospective buyers.  

 

 

  1. Your credit score has nothing to do with transactions at a pawn shop

If you need to borrow money, all you have to do is bring an item with you to the pawn shop. You can be assured that your credit score will not be checked.  After evaluating the item(s), the pawnbroker will offer you a loan based on its value. The loan is fully covered by the value of the pawned items so the pawn broker does not need to evaluate your credit-worthiness.  The pawn shop will hold your pawned items until you have repaid the loan and fees.  At that time you will receive your items back.

 

If you cannot repay the loan the pawn shop can keep and sell your collateral to cover the repayment of the loan.  This will never affect your credit score because nothing you do with a pawn shop is ever reported to a credit bureau.

 

 

  1. You can get money fast

Pawn shops work to get you the money you need quickly. This is the case whether you’re selling an item or getting a short-term loan.  There is no waiting for a loan application to be processed and approved.  After the staff evaluates your items, the pawn broker will tell you what they are willing to pay (or the size of loan you can get).  If you agree to sell your item, you will be paid as fast as the law allows.  If you set up a pawn loan you will also receive your cash rapidly.

 

 

  1. When you are looking to purchase there is always a great selection to choose from

The inventory at pawn shops is constantly changing.  As soon as one person sells the shop an item, another person purchases something.  This changing inventory means you have access to a great selection of products, no matter what you’re searching for.  If the shop doesn’t have something that interests you during your first visit, don’t give up. Stop by a few days later to see if anything new came in.  Or ask if the pawn shop could call you if a specific item comes in.  Most shops are quite willing to help you find what you are looking for.

 

 

The next time you’re looking to buy something nice for a loved one or want to add to your collection of classic memorabilia, check with the closest pawn shop first.  Then head to Arizona Jewelry and Loan.  We are a high-end pawn shop located in Scottdale where you will find fantastic items to buy.  If you are looking for a loan or to sell items we will give you the best value for your items.  You will agree the drive was worth it.

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