What is pawn lending?

What is “Pawn Loan” (Shichi Azukari)?
A pawn loan is a way to borrow money by using your item as collateral.
It’s one of the traditional services offered by pawnshops, also known as “shichiire” in Japanese.

Unlike banks or consumer finance companies, no credit check is needed.
If you repay the borrowed amount plus interest within the designated period, your item will be returned safely.
Even if you can’t repay, there’s no leftover debt — your item will simply be sold.

✅ Benefits

No credit check! Immediate cash available.

No debt remains even if you can’t repay.

You can get your item back if you repay in time.

You can extend the term by paying the interest only.

Free to get a valuation — you can walk away if you’re not satisfied!

❌ Drawbacks

The amount you can borrow depends on your item’s value.

Interest (storage fee) applies — long-term borrowing increases costs.

If you miss the repayment deadline, you may lose the item.

The process of pawn lending

How the Process Works
① Bring Your Item
First, bring your valuable item to Kanteikyoku Kanuma!
Please also bring a valid ID (e.g., driver’s license, My Number card).

We accept a variety of items:

✅ Precious metals (gold, platinum, diamonds)
✅ Branded bags (Louis Vuitton, Chanel, Hermès)
✅ Smartphones (only iPhones)
✅ Luxury watches (Rolex, Omega, TAG Heuer)
✅ Alcohol (whisky, brandy)

For other items, please contact us in advance, as acceptance varies by store.

② Get an Appraisal
Our staff will appraise your item and determine the maximum loan amount.

③ Receive Cash or Decline
If you agree with the appraisal amount, you’ll receive cash on the spot.
Your item will be safely stored in our pawn vault.
If you’re not satisfied, you can simply take your item back — no charge for the appraisal!

④ Repay Within the Deadline or Relinquish the Item
The standard loan period is three months.

If you repay the principal plus interest within the term, you’ll get your item back.

If repayment is not made, ownership of the item will transfer to our shop, and it will be sold.

How much is the interest?

Interest Rates
For loans up to ¥100,000 → Monthly interest rate: 9%

For loans from ¥101,000 to ¥500,000 → Monthly interest rate: 8%

🔹 Important Points

✅ Interest is charged on a monthly basis (not prorated daily, so please be careful).
✅ You can extend your loan term by paying just one month’s interest — feel free to consult with us!

📌 Example 1: Borrowing ¥10,000 (at 9% interest)

After 1 month → Repayment: ¥10,900 (¥10,000 + ¥900 interest)

After 2 months → Repayment: ¥11,800 (¥10,000 + ¥1,800 interest)

After 3 months → Repayment: ¥12,700 (¥10,000 + ¥2,700 interest)

📌 Example 2: Borrowing ¥150,000 (at 8% interest)

After 1 month → Repayment: ¥162,000 (¥150,000 + ¥12,000 interest)

After 2 months → Repayment: ¥174,000 (¥150,000 + ¥24,000 interest)

After 3 months → Repayment: ¥186,000 (¥150,000 + ¥36,000 interest)

Convenient services 👍

A pawn loan is a very convenient service for handling sudden expenses or temporary funding needs.
While you can receive cash without a credit check, it’s important to carefully manage interest payments and deadlines.

By planning wisely, you can minimize risks and retrieve your valuable items safely.

At Kanteikyoku Kanuma, we take great care in appraising your precious items and provide an environment where you can feel completely at ease.

Even if you just want an appraisal, you are always welcome — please feel free to visit or contact us anytime!

We look forward to welcoming you! 😊✨