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There are many reasons why one may choose to go into a Pronto Pawn Shop. However, the most popular reason is when a customer needs a cash advance and does not have access to a traditional bank. They would much rather deal with a Pawn Shop that specializes in cash advance loans than deal with a standard bank or credit union. Here are some tips to help you choose the best Pawn Shop in your area:
A Pawn Shop is only as good as its staff. Their experience can help them answer your questions quickly and efficiently. Asking about a short term loan, for instance, might seem like a simple question. However, the staff at a Pawn Shop is trained to answer every question that you have, and to give you the best advice that you qualify for based on your situation.
When you are in need of cash advance, a short-term loan may be the only option for you. This is when a Pawn Shop will often offer a cash advance on your behalf. A short term loan will allow you to pay your car back as soon as possible, avoiding late charges on your credit score.
When you have the cash you need, it's usually easiest to turn to family or friends, or even to your local bank for help. However, if you have the cash you need quickly and do not know where to turn, going to your local bank or credit union may be a better option for you. They will be able to assist you with your short term loan, as well as work with you to make sure that you pay your debt off quickly.
Many times, borrowing money from family or friends is a great way to borrow cash quickly, and at a low cost. The loans are often better than a cash advance, since you do not have to pay interest charges on the borrowed amount, and you do not need to keep up with monthly payments, like you would with a cash advance. Sometimes it can be just as convenient to take out a cash advance from your Pawn Shop as it is to take out a loan from a family member or friend.
However, the loans from a Pawn Shop will cost you more than borrowing cash from a family member or friend. The difference is that with a short term loan, you are taking out a large sum of money, and it is generally for a shorter period of time. Typically, the Pawn Shop will require a cashier's check, or wire the money to you immediately. You will also need to pay the Pawn Shop a fee for facilitating the loan.
With a short term loan, you may only be able to take out a small amount of money, such as a few hundred dollars. Also, you will not get the same interest rate that you would if you were to get a cash advance. If you need more money, however, you are usually required to pay additional fees. Although the Pawn Shop is most helpful when you need extra cash between paychecks, they are still slightly faster to obtain than borrowing cash from a friend or family member, because you don't have to wait for weeks or even months to get money, as with borrowing from a bank.
When you need cash quickly, borrowing it from a Pawn Shop is usually faster and easier, since they already have your item in stock. Because they usually only take cash, there is no need to provide identification, proof of employment or income, and no credit check on your part. As long as you are able to prove that you have the cash you need, you won't have to pay any interest to use the cash advance at a Pawn Shop.