A pawn loan is a short-term loan where you use personal items of value as collateral to secure cash. Unlike traditional loans, pawn loans don’t require a credit check or proof of income.

You bring in an item of value, like jewelry, electronics, or tools. The professional team evaluates its current market value and offers a loan amount based on that value. If you agree, you’ll get the cash and a pawn ticket ticket to outlining the terms of the pawn. Just repay the loan plus interest to get your item back!

Common items include gold and diamond jewelry, electronics like laptops and smartphones, power tools, musical instruments, and high-end watches.

We assess condition, brand, market demand, and resale value. We may use online databases, current market prices, and local market trends to determine value.

No. With a pawn loan, you retain ownership and get your item back once you repay the loan. Selling means you permanently give up the item.

No. Since pawn loans don’t involve credit checks or reporting to credit bureaus, they have no impact on your credit score.

No. Pawn loans are based on the value of your collateral, not your credit history.

If you can’t repay the loan, we may negotiate partial payment to extend the terms of your pawn loan, or you may pay the interest in full to extend the pawn loan by the amount of the initial duration. You also reserve the right to forfeit your pawn loan with no consequence.

Yes. We offer more for items if your intent is to sell them outright instead of a pawn loan.

Yes. You can choose to sell an item you’ve pawned. If the value of a negotiated sale is higher than the amount it was pawned for plus accrued interest, you receive the difference of your negotiated sell value and the total value of the pawn.

Loan amounts vary based on the item’s value, usually ranging from $100 to several thousand dollars.

All pawn loans are under a 30-day repayment schedule. You may choose to repay your pawn loan at anytime up to the 30th day.

Yes. You may choose to extend your loan for a small repayment of the accrued interest amount or renew your loan for the total amount of accrued interest, anytime up to the 30th day. Extensions are periods of 15 days, and Renewals are equal to the pawn loan term of 30 days.

Yes. If you foresee that you may not be able to making a payment in 30 days, you may extend your loan for greater than 30 days.

Yes. One piece of valid government-issued photo ID, or two pieces of valid government-issued non-photo ID is required by law to process a pawn loan.

Yes. You may authorize someone to act on behalf of your account to pickup or pawn your pawn loans. Authorization of an individual on your account must be arranged prior to picking up or pawning your pawn loans. Both you and the person you’re authorizing must be present to sign a form, with both persons presenting one piece of government-issued photo ID, or two pieces of government-issued non-photo ID. This agreement may be terminated at any point by either parties.

You may pawn at anytime during opening hours. We’re open from 10am – 6pm, Monday to Thursday, and Saturday. Till 7pm on Fridays and we are closed on Sundays. Pawns must be made physically in-store.

Pawn loans can only be made physically, in-store at either of our retail locations.