H&T pawnbrokers shop front on a high street in Hackney, London, United Kingdom. A pawnbroker is an individual or business that offers secured loans to people, with items of personal property used as collateral. If an item is pawned for a loan, within a certain contractual period of time the pawner may redeem it for the amount of the loan plus some agreed-upon amount for interest. The amount of time, and rate of interest, is governed by law or by the pawnbroker's policies. Increasing numbers of people in Britain are using pawnbrokers to survive financial crises.
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