Pawn: You receive a loan that is worth only a fraction (typically 25% to 60%) of the item's estimated resale value. This allows you to keep the legal ownership of the item while it stays with the shop as security.
Sell: You receive a higher upfront cash payout than a pawn loan, though still usually below full retail value. You hand over ownership completely and permanently.
Layaway & Terms: Usually 10% to 30% of the total purchase price with 0% interest for up to 3 months. No refunds on layaways.
Initial Loan Term: Minimum loan term of 60 days with option to renew for additional 60 days.
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