Why would someone go to a pawn shop to get a loan?
A pawnbroker or pawnshop is a great place to get a short term loan. You bring something of value into the pawn shop, they determine wat it is worth and set a maximum loan amount. Once this is completed, you have a certain amount of time to pay the loaning full and receive your items back. If you some reason you can or decide you don't want to get your items back, you don't need to pay the loan back. The loan is them considered to be paid in full.
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