The advantage of pawn shops like Calaveras Coin & Pawn is that they act as a bank for consumers who have no bank accounts, provide speedy access to loans, and are licensed and regulated. Those who pawn items lose no more than their collateral if they fail to repay the loan, but their credit file will not be negatively impacted and they won’t receive collection calls.
Purchasers can find bargains and be assured that they are not purchasing stolen goods, and even in some instances benefit from a layaway service to reserve what they cannot afford to purchase on the spot.
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