Pawn customers represent the working families of America who periodically experience an unexpected need for short-term funds.

Pawn loans keep the electricity on, the rent paid, and cars running with full tanks of gas by providing a safety-net to over 30 million unbanked or underbanked Americans. Close to one in four U.S. households are labeled as “unbanked or underbanked,” according to a survey by the Federal Deposit Insurance Corp., or FDIC. For these consumers, pawn shops are their mainstay “lending institution,” with every loan based on collateral items. Nothing else.