Q: What is a pawn shop?

A: A pawn shop is a business that offers secured pawns to people, with items of personal property used as collateral.

Q: How does a pawn work, and how do I get a pawn?

A: Pawn are a quick and easy way to borrow money without a credit check or hassle. Pawn amounts are based on the value of your collateral, not your credit rating or pay schedule. A typical pawn may have a term length of 30 days/one month, plus a 10-day/one month grace period. If you cannot pay back your pawn in full, including any applicable grace period, we offer extensions/renewal fee's (where permitted by state law) to give you extra time. You may also choose to surrender your collateral as payment in full.

Q: What I.D. or other information do I need to have with me to get a pawn?

A: Driver’s license or government issued ID for all transactions other than Title Pawns. On vehicle Title Pawns, one must have a driver’s license or government I.D., proof of residence such as utility bill, personal references, and check stub to verify employment. In most cases, the customer is allowed to keep the car during the pawn period.

Q: How does pawn collateral work? How do you decide how much to give me on my item?

A: The pawn process varies based on the collateral presented. For example, with jewelry we weigh the item, determine the precious metal content (for example, 14K vs. 10K), and evaluate any gemstones based on cut, clarity, color, and carat weight. Our highly trained staff then makes the most reliable estimates of the worth of your item, enabling us to offer you the highest amount for your item. On auto titles, we note specific details such as vehicle model, mileage, model year, condition, etc., and we then refer to a website such as Manheim auctions or Black Book to ascertain the value.

Q: How do I pay off the pawn?

A: All payments are made in cash at the store where the pawn was made. Once interest and principal are repaid, the item is returned to the customer. Some payments also can be made by cashier’s check or money order.

Q: What if I cannot pay off the pawn – what happens to my collateral?

A: If the pawn can't be repaid, once the “hold” period expires, the item is the property of the pawn shop. Even after the pawned item has been forfeited and a customer wishes to pay the interest and principal, we will make every effort to find and reactivate the pawn or return the collateral item to the customer, once the amount has been fully paid.

Q: What kinds of items can I pawn?


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