A pawn loan is a short-term, secured loan where you receive money in exchange for a valuable personal item, like jewelry or electronics, which serves as collateral. The we hold your item, and if you repay the loan with interest and fees within 97 days, you get your item back. If you do not repay, the pawnbroker keeps the item and is free to sell it. 

How it works

• Loan amount: 

  The amount you can borrow is based on our in-person assessment of the item's resale value. 

• Loan agreement: 

  You receive a pawn ticket that outlines the loan amount, interest rate, fees, and repayment period. Our loans are 10% interest per month. 

• Repayment: 

  To get your item back, you must repay the full loan amount plus any interest and fees by the due date in CASH. No card payments will be allowed on pawn loans!

• Non-payment: 

  If you fail to repay the loan, we will keep your item and can sell it.  

• Collateral: 

  You provide a valuable item (the collateral) to the pawn shop. Example:

1. Firearms, unloaded and in good working order. ​

2. Electronics, clean and in good working order. Smart TVs, newer game systems, Laptops and tablets within a year old; must be factory reset. 

3. Tools, clean and in good working order. Newer Milwuakee and dewalt are common. 

4. Precious metals, gold and silver

5. Gold jewelry only! 

Key considerations

• No credit check: Pawn loans generally do not require a credit check or proof of income, making them accessible to those who might not qualify for traditional loans. 

• Risk: You risk losing your valuable item if you cannot repay the loan.