Currently and for a long while,only Baggi charms are found in the clan store,and as you state,they require a lot of loyalty points.
Unfortunately the rest cost a lot too.
You can win a few in competitions,but you need hundreds of them. I think the last level alone needs 900.
You may pick them up within the game.
The other place is the bank offers.There is also another "special" event in which you can gain anything you wish in this game...in fact, it is the BEST way to gain advantage. It is called, "Pay Day". That 'special' event happens for each person on a personal schedule...but when it comes, you can choose to use it to gain advantage in this game. Yes, I know you need food, gas, to pay the mortgage or rent, or other necessities..but what is more important to you? With just a little effort, you too could be waxing poetic about your kill ratio as you tell your kids that water and baloney will have to do for dinner...or advising your bank that they should be happy you are not 5 months behind in your mortgage...or telling your mate that necessities ain't all that necessary!
So, on that next 'special' day...make Palarium happy! After all, it ain't necessary for there to be so much sadness...make someone smile...and tell your kids that poverty is just a word!