Claire Blenkins, a 23-year-old from Bramley in Leeds, has used pawnbrokers Albemarle & Bond for some 18 months.
She heard about the firm through a friend. Claire pawns her jewellery, usually gold necklaces and earrings and uses the branch at the Bramley Centre.
The typical interest rate is 110-120 per cent APR with the money instantly available.
No credit checks are required and the firm holds a Consumer Credit licence issued by the Office of Fair Trading.
Claire uses the funds advanced to buy extra treats and other items required for her two children.