Is the loan from Xinhui Pawnshop reliable?

Not reliable. Xinhui pawnshop is a pawnshop, which can be redeemed by paying interest every month. The price they give is lower than the value of the item itself. It is not protected by law and unreliable, preventing you from not redeeming it then. Pawnshop, also known as pawn company or pawn shop, is a non-bank financial institution that mainly uses property as collateral for paid term loan financing.