Pawn cashing
Pawn cashing is a very convenient system!
We can provide immediate financing without selling your valuable items.
Advantages of Pawn cashing
For those who need money right now but do not want to give up their valuable items and find it difficult to borrow money easily.Pawn cashing are based on the value of the item itself, so all that is needed is identification, and money can be loaned regardless of occupation.In addition, since borrowing history, etc., will not remain in the official gazette, there is the advantage of being able to use the service with peace of mind from a social standpoint.
Here's what you get! Advantages of Pawn cashing
Money can be borrowed for things.
You can borrow money with your wallet, watch, or any other familiar object of yours. We accept loans from as little as ¥1,000. We can also provide high-cost loans.
No need to repay
If you are unable to pay back the money you borrowed, you must give up the goods, but you do not have to repay the loan and there is no collection or demand.
Anyone over 20 years old is welcome to use this service
Anyone 20 years of age or older can use the service. Housewives, self-employed, unemployed and foreign nationals are also eligible.
For those who want to rent in secret.
No guarantor is required as long as you have the mono and ID. Also, even if you cannot repay the loan, there is no collection or demand, so there is no need to worry about other people knowing about it.
On-the-spot cash financing
It takes as little as 10 minutes from appraisal to loan. All you need is your goods (pawns) and ID, and you can start using our service right away.
If you don't want to let go...
With pawn cashing, if you suddenly need money, you can get cash for a souvenir ring or a bag you worked hard to buy without having to give it up (or sell it).
You can rent with peace of mind
Unlike card cashing machines, our staff will actually explain the process directly to you, eliminating any concerns you may have even if it is your first time.
As a substitute for safe deposit boxes
We are confident in the security and quality control environment of our pawn safes. You can use our pawn safes as a storage tool for your valuable items.
What's the difference between "Pawn cashing" and "Purchase"？
Pawn cashing
This is a service in which customers bring in valuables or items of value and use them as collateral to lend money.When using this service, customers deposit goods as collateral and are lent a certain amount of money based on their value.The deposited goods can then be retrieved by repaying the borrowed money within a certain period of time.
Purchase
The purchase service assesses the value of items brought in by customers and offers a purchase price.If the customer then agrees to the price offered, the pawnbroker buys the item.Purchased items may be placed on store shelves for sale by pawn shops or resold at auctions.For more information about the purchase, please click here.
Our professional staff of valuation specialists will give your items the best possible evaluation.
Sano Pawnshop is able to offer appraisal values that are second to none, thanks to our overseas network and solid track record of over 100 years in business.We will also provide a clear and easy-to-understand explanation of the key points of the assessment and the basis for calculating the value of your items.We offer free assessments, so please feel free to pawn your items.
Pawnshop flow is a simple 5-STEP process
STEP 1
Please contact us first
Please contact us first by phone or by filling out the inquiry form.We will respond with attention to detail and kindness.If you are in a hurry, you may of course visit us in person!
STEP 2
We will give you an approximate amount
We will give you an approximate valuation of the items we will accept, and inform you of the amount we can finance and the pawn fees (interest) we will charge.
STEP 3
Please come to our store
If you are interested in the approximate loan amount and interest, please visit our store and we will evaluate your loan in person.
●What to prepare
"Your items" and "Identification cards"
【Something that can be used as identification】
Driver's license, passport, health insurance card, alien registration card, resident card (within the last 3 months), basic resident register card
STEP 4
Proposal of appraisal value
We will show you how much we can finance. There are no appraisal fees or other charges. If the amount matches, we will explain the loan period, pledge (interest) fee, and other systems, and the contract will be concluded. Once the contract is signed, we will confirm your identification (driver's license, passport, basic resident registration card, health insurance card, or in some cases, two or more forms of identification).
STEP 5
Cash and pawnbroker's checks
We will immediately finance your loan in cash. You will also receive a pawn bill in exchange for the item(s) you bring. You (the pawnbroker) retain ownership of the item(s). Please keep the pawn tag in a safe place, as it will be needed when you repay the loan or pay the pledge fee (interest).
Pledge fee interest
■Repayment and interest rates
The amount of interest charged at a pawnshop is called a pledge fee.
Pawn fees vary depending on the amount of money deposited (2~8% per month based on a full month calculation).
The interest rate varies depending on the loan amount, with the maximum interest rate per year being 96% of the principal amount (8% monthly interest),
The interest rate per year is 96% of the principal amount (8% per month).
Please refer to the table below for the interest rate for each loan amount.
*Interest rates for customers 65 years of age or older are reduced from 8% to 6% on amounts of 50,000 yen or less.
■Examples of Actual Pawnbrokerage
If you borrow 10,000 yen and pick up in the third month
Repayment amount is 10,000 yen principal + 2,400 yen pledge fee (3 months at 8%) = 12,400 yen
If you borrow 80,000 yen and pick up in the second month
Repayment amount is 80,000 yen principal + 10,000 yen pledge fee (2 months of 5,000 yen flat fee) = 90,000 yen
If you borrow 200,000 yen and pick up in the second month
Repayment amount is 200,000 yen principal + 20,000 yen pledge fee (2 months at 5%) = 220,000 yen
If you borrow 600,000 yen and pick up in the first month
Repayment amount is 600,000 yen principal + 18,000 yen pledge fee (one month's worth of 3%) = 618,000 yen
The repayment period is a generous "3 months!" Extension is possible.
We will return your items to you at any time as long as you pay the principal and interest during the deposit period.
The repayment period can be as short as the same day and as long as 3 months. The repayment period can be extended by paying interest (pledge fee).
*For more information, please see the FAQ or contact us directly.
You do not have to pay back the money you borrowed!
If you have borrowed money once but are still unable to part with it, you do not have to pay back the borrowed money. In that case, the item will be pawned and the ownership of the item will be transferred to Sano Pawnshop.
*For more information, please see the FAQ or contact us directly.
