Hea valik

Pandimaja Lombard24 is a pawnshop in Tallinn that gives short-term cash loans secured by personal items such as smartphones, laptops, tools, gold and silver jewellery, watches and game consoles. Items are valued on the spot or online, and the company also buys and sells gold and runs a jewellery workshop offering custom jewellery, repair, cleaning, polishing and resizing.

Customers are private individuals who need cash against an item and people selling or buying gold, jewellery and secondhand goods. Revenue comes from pawn fees, which the site lists at 4% for 7 days, 8% for 14 days and 10% for 30 days, and from resale through its jewellery and e-shop channels. Unredeemed items are sold, and the company states that loans are issued without a credit check.

The business is registered as Hea valik OÜ and has eight branches across Tallinn, including Mustamäe, the city centre, Põhja-Tallinn, Õismäe, Lasnamäe and Maardu. All branches are open daily from 10:00 to 20:00. The company states that it has operated since 2009.

Product: Pawn loans secured by valuables, gold buying and selling, jewellery workshop services and an online jewellery and secondhand shop.