Tokay High School graduate Ray Ghaune opens Lodi’s only pawn shop

Ian Jonsson/News-Sentinel

Ray Ghuane stands in front of his new business, Lodi Pawn Jewelry & Loan, at 330 W. Lodi Ave., on Friday, March 8, 2013.

By Brian Ratto/News-Sentinel Intern | Posted 2 months ago

Pawn shops have not always been known as the nicest businesses to run or have around, but Rajbir "Ray" Ghaune is looking to change that.

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Pawn basics

The term "pawn" refers to an item that is given as security for a financial loan. Lodi Pawn Jewelry & Loan offers sales and pawns to its customers.

The following is a step by step guide to pawning an item:

Appraisal

When you first bring an item into the pawn shop, the clerk will evaluate the value of the item. The shop does not require a receipt proving ownership before the item is pawned.

If an item being pawned is found to be stolen, the shop will work with the Lodi Police Department to return the stolen property to the proper owners.

Pawn ticket

Upon agreement on the appraisal, a pawn ticket is written up as a contract for services. A pawn ticket shows the item pawned and the appraisal value, how much the shop offered the customer, and any fees required by the state and the shop.

Loan period

The item may be on pawn from 30 days to four months.

Redeeming your item

The owner of the pawned item may retrieve it by paying off the loan at any time within four months. After four months, the shop can sell the item to redeem the amount of money loaned, plus any interest earned.

Lodi Pawn Jewelry & Loan at a glance

Location: 330 W. Lodi Ave., Suite F.

Hours: Tuesday through Sunday, 10 a.m. to 6 p.m. Closed Monday.

For more information: 209-224-5778

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Tokay High School graduate Ray Ghaune opens Lodi’s only pawn shop

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