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Unexpected financial needs happen, and in today’s economy, most people are living on a paycheck-to-paycheck budget. A pawn is a short-term collateral loan that can help you meet an immediate cash need. The advantage of a pawn loan is that you can get the money you need instantly without selling or losing your items. Traditional bank loans require credit checks and income verification, and payday lenders charge absurd fees, but a pawn is easier than that. It’s simple! Bring an item as collateral, a valid ID, and get a loan against your item’s estimated resale value. When you are ready, payback the loan to get your item back..