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Loans Made Easy. - Valuations

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Different types of loans

There are many different types of loan available on the market, from traditional mainstream loans such as bank loans, credit card loans and mortgage loans to alternative loans such as payday advances, home collected credit loans and pawnbroking loans.

It is often difficult to decide which loan best suits your needs.
Typically banks loans have been the preferred choice for long term loans and credit cards have been the high street choice for short term loans. However since the credit crunch began and the banking crisis erupted, banks have tightened their belts and these typical credit loans have been difficult to get.
This has allowed alternative banking to come into its own and show consumers that other traditional loans, such as the pawnbroking loan, which is a form of lending that is as old as banking itself, is a socially acceptable and fantastically quick and convenient way of getting a short term loan.

What is a Premier Pawnbroking Loan?

A Premier Pawnbroking loan is a loan against an item of jewellery or quality watch. The item is used as security for the loan and cash is deposited straight into your bank account.
Unlike other short term loans a pawnbroking loan doesn’t require any credit checks and the cash from the loan can be spent on anything at all.
The item is kept in secure premises throughout the duration of the loan. A typical pawnbroking loan is 7 months, however the loan can be repaid early or the loan can be extended. A Premier Pawnbroking loan is a truly flexible way of borrowing money.
Once the loan is repaid the item will be returned via Royal Mail Special Delivery.
Anyone can get a loan as long as they are over 18 years old and own a piece of jewellery or quality watch to act as security for the loan.

How to get a loan

Getting a Premier Pawnbroking Loan is simple. Apply for your Premier Pawnbroking Loan Pack online. When this arrives package the items you wish to get a Premier Pawnbroking Loan against together and take it to your Post Office in the free prepaid Royal Mail Special Delivery Envelope provided in your Premier Pawnbroking Loan Pack. Once Ramsdens receive your items, they will be assessed and you will be contact with a loan amount offer. As soon as you accept the loan offer your loan funds will be transferred into your bank account or sent to you via cheque or PayPal if you requested.
Getting a Premier Pawnbroking Loan really is that simple!

Repaying your loan

Repaying your Premier Pawnbroking Loan is easy. You can repay your loan at any point within the 7 months by accessing your loan account online and by using your credit or debit card. Once your loan is repaid the items you used to secure your loan will be returned to you via Royal Mail Special Delivery.
You can use your items to get a Premier Pawnbroking Loan again in the future.

Extending your loan

If it is not convenient for you to repay your loan after the initial 7 month loan period, you can extend your loan by paying all or part of the interest due on your loan. You can extend your loan as many times as you wish.

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