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As someone already stated the lonas in which you speak joker do not take your item away unless you default and the courts intervene. Despite collateral it's still an unsecured loan.
Pawnbrokers take secured loans. they know the item has vlaue they take it from you get cash. You want the item back you pay the loan back plus fee you get item back. You default they get to keep it without the need to go through any legal mumbo jumbo and police warrants to get their peroprty for the loan.

A pawnbroker offers monetary loans in exchange for an item of value to the given pawn broker. The word pawn is derived from the Latin pignus, for pledge, and the items having been pawned to the broker are themselves called pledges or pawns, or simply the collateral.

How the pawning process works
Within a certain contractual period of time, the pawner of an item may purchase it back for the amount of the loan plus some agreed upon fee. If the time elapses without payment, the pawnbroker is allowed to sell the pledged item to recoup the amount of his loan, which may have only been a fraction of its actual market value. Pawnbrokers often have a large number of formerly pawned objects for sale at their place of business, called a pawnshop, whereby they may recoup money that had been loaned out on an item subsequently forfeited by a pawn customer.

Pawnbrokers can also purchase an item outright for cash with no repayment expected; these sometimes need to be held for up to 30 days by law before they can be offered for sale. Because of the risk to the pawnbroker of receiving stolen property, and the interests of the community in not to allowing a legitimate businessman to act as a fence, laws to protect both these parties exist in some jurisdictions in the United States through the means of a hold placed on an item purchased by a pawnbroker. If a hold law is in effect, it will last up to approximately 30 days, depending on location.[citation needed] Such regulation is necessarily imperfect. Unscrupulous pawnbrokers buy goods from strangers with few questions, or turn a blind eye to certain customers, despite state laws in the United States that require a state issued ID card, Social Security number and physical description of a customer. Some local governments in the United States require a picture or thumbprint to be taken of the pawn customer. Few stolen items end up in pawnshops, though some claim that the nature of the business necessitates that some of the items will be stolen goods--many stolen items are just too common or too difficult for the authorities or even theft victims to identify and prove former ownership.[citation needed] According to the U.S. National Pawnbroker's Association, less than 0.1% of items that come through a pawn shop are stolen. [http.//www.detroitpawnbroker.com]


Items of monetary value
Pawnbrokers are often willing to take in many types of items including jewelry, video game systems, musical instruments and tools. Gold is considered an item that is never to be turned away, because even if the item is of relatively low value it can still be sold in bulk to a smelter to be sold for scrap gold.

Other items that a pawnbroker will be willing to take are gemstones, stereo equipment, musical equipment, firearms, cars, and electronics. When an item is pawned the pawn broker will typically loan out however much money the customer needs, provided that it does not exceed 1/3 of the resale value of the item. This amount will vary greatly on the history that an individual pawnbroker has with a customer. for more info check out this site http://olderedford.com/