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How Fast Pawn Loans Work Fast pawn loans are a great option when you need quick cash and they dont have the same negative impact on your credit as other financial products. But before you take out a pawn loan its important to understand how pawn shops operate. Pawn shops offer quick and easy loan approval without a credit check and you can usually get the money you need in minutes. However pawn shop loans can be expensive and you may lose your items if you cant repay them in the allotted time period typically 30 to 60 days.