The only reason i go to merrills is so that I can get a loan on my jewelry when I need some extra cash. They do loans and the interest is only around $10.00 a month. It comes to good use around birthdays or christmas when you need a lil extra cash. They do loans on anything i guess. the loans go for 4 months and you can extend it if you want. The guys I talk to when I go there have always been very nice. I have never bought anything from there though, only some hair products that were like $1.00 each. They are not open that late though, 5 or 6 during the weekday. Not sure about weekends.