All About Pawning

You can get funds from a licensed pawnbroker by taking your item to the store where a dollar amount offered is based on the value of the item, not your credit record.


You can pick up your item within the law-allowed time period by paying the money you received, plus the specified interest and any service fees.

A pawn transaction amount is entirely

based on the value of your item. There

is no credit check, proof of employment

or income required.

Pawning is an easy and fast safety-net

option to quickly get the money you

need without penalty. It is private

between you and the pawn shop.

Here's How it Works

Don’t worry about your items of value – they will be stored safely and securely.

1. Bring in item for us to examine. A dollar amount may or may not be offered based on the item’s value.


2. If the pawnbroker decides to offer you money for your item, a pawn ticket is issued which is an agreement between the you and the pawnbroker.


3. Cash is given to you with an agreement that interest will be paid on the pawned item until you come to pick it up.


4. When you come to pick up your item, you will bring your pawn ticket and the original amount, plus the interest you owe.


5. Once paid in full, your item will be returned to you.


Most frequent questions and answers

A: Bringing in items you already own is how you can get cash from a

pawnbroker. These items can be jewelry, gold or silver, designer bags,

televisions, tools, musical instruments, and many other things. This is

your “collateral.” You and the pawnbroker agree on the amount, the

pawn store charges, and the date you are to return. The pawnbroker

is required to securely store your item.

A: Pawn stores offer a fast, easy, and confidential way to obtain money. When you need cash, a pawn store will help without any credit check and no collection efforts.


When you pawn an item, all terms are on the pawn ticket. Do not lose it! This ticket shows your identification, item description, cash details, and the time to repay.


Most state and local laws set the pawn store charges and time allowed to repay.

A: It is entirely your option to repay a pawn transaction. If not, the

pawnbroker keeps the item and will just sell it. No report is made

to any credit bureau and your credit standing is not affected.

A: You must bring a valid, government-issued photo ID, and

the item(s) you want to pawn.

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