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A pawnbroker is someone who specializes in procuring and trading items of value, perceived or actual, based on their importance and other factors. Pawnbrokers often deal in jewelry, memorabilia, weapons, historical documents, coins, and other valuable collectibles. They also frequently have musical instruments, as these items are great for resale and offer a lot of value to people selling them.

Loan sharks worry a lot of people, and while there may be good reason, popular culture and mainstream media have also set a lot of people up for an expectation that doesn’t really exist. Loan sharks are out there, all around the world, but they aren’t what you are probably thinking of—they’re just your run-of-the-mill predatory lenders who are trying to take advantage of desperate people who find themselves in a tight financial spot.

Loan sharks work in unique ways, but their biggest MO is fear and sheer force of will. Intimidation is how they get people to pay, and although it’s not quite like you see in the movies, it’s also not a nice practice, to say the least.

Usury is just the practice of lending money at “unreasonably high” interest rates, which is more commonly known today as predatory lenders.