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Editor’s note: This is a transcript of the audio file.
If you’re in the market for some quick cash by selling your stuff to a pawnshop or getting a loan, here are ways to get the best deal.
I’m Sheyna Steiner with the Bankrate.com Personal Finance Minute.
The best way to get the most money from a pawnshop is by selling your items to them, not taking a loan and leaving your valuables as collateral.
If taking a loan is your preference, do be aware of the loan terms. It can get expensive if you don’t pay back the loan in a timely manner.
Remember that pawning is the same as any marketplace. Don’t take the first offer; you may be able to find better prices by shopping around. Getting your item appraised or documented can only help your cause. Pawnshops are different than other stores in that haggling is expected, go in prepared to negotiate.
Developing a rapport with the retailer can help your cause as well. If the pawnbroker thinks you’re good for more business, you may get a better deal.
For more on this and other personal finance issues, visit Bankrate.com I’m Sheyna Steiner.
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