Pawn loans are a quick and convenient way to borrow money without credit checks or complicated applications. Loans are based on the value of your item, not your credit score. Our loans are typically 30 days, and you can either repay the full amount (plus fees) to get your item back or simply pay the fee to extend the loan as many times as you need. If you decide not to repay, the item becomes ours to resell, but it will never impact your credit.

We accept a wide variety of items for pawn, including jewelry, gold, electronics, tools, musical instruments, and more. Bring your item with a valid photo ID, and you can walk out with cash in minutes.

All loans are strictly confidential.

If you’re unable to pay off your pawn loan by the due date, you can extend it. To do so, simply pay the interest and fees, and your loan will be renewed for another 30 days. Extensions can be done as often as needed.

Yes! You can have multiple pawn loans with us at the same time. Many customers choose to pawn more than one item. Our staff will work with you to create flexible solutions that best fit your needs.

Not if you repay your loan! Most of our customers repay their pawn loans and pick up their items without issue. If a loan is not repaid, the collateral is forfeited and may be sold. You can also choose to sell your item outright instead of getting a loan.

Loan amounts are based on your item’s current appraised value, condition, resale demand, and market trends. We use professional tools and expertise to ensure you get the most cash possible. For example, a diamond is evaluated differently than an electronic item, but both are carefully appraised to give you fair value.

Condition is always a key factor in appraisals. We check if the item is clean, free of damage, and in working order. For electronics and tools, we test them to ensure they function properly. For items with accessories (like remotes or manuals), having everything included increases the loan value. The better the condition, the more money we can lend.

We examine precious metals and gemstones using proven methods. Diamonds are evaluated based on the 4Cs: cut, color, clarity, and carat weight. We also test gold using safe acid tests or electronic testers to confirm purity. This ensures accurate results and the best possible offer for your jewelry.

Gold value is based on current market prices, which we review and update daily. The karat purity (10K, 14K, 18K, or 24K) also impacts the amount. For example, 24K gold will bring a higher loan or purchase offer than 14K gold of the same weight.

Yes. We take the security and care of your items seriously. While your item is in our possession, it is stored safely, and all shops are fully insured for the loan value. When you pawn an item, we keep all accessories (like chargers, cables, or remotes) with it so it remains complete and ready when you return to pick it up.

Yes, we accept firearms as collateral for pawn loans and sell firearms in select locations. We are fully licensed as a firearms dealer and follow all federal, state, and local regulations. For safety, every firearm is secured with a trigger lock, and each transaction is reported to law enforcement as required.

No. Less than 1% of items in pawnshops are ever identified as stolen. Pawnshops are actually one of the worst places to attempt to sell stolen property because of strict regulations and reporting requirements. Every person who pawns or sells an item must provide valid government-issued ID. A digital copy is created and sent nightly to local law enforcement.

In addition, pawnshops use a national database called LeadsOnline, which shares all transactions with police agencies across the country. If you suspect an item has been stolen, please contact your local police department. By law, we cannot share transaction information directly with the public, but we fully cooperate with law enforcement.

All loans are confidential, but we will provide full cooperation with law enforcement when needed.

Yes. Pawn shops are highly regulated at both state and federal levels. We operate under licenses issued by local authorities and follow laws such as the Truth in Lending Act, the Equal Credit Opportunity Act, and the Patriot Act. Shops that handle firearms also comply with Federal Firearms License requirements. This ensures transparency, safety, and accountability for all our customers.

Yes! If you don’t want a loan, you can sell your items to us for cash on the spot.

We purchase jewelry, watches, gold, coins, bullion, electronics, tools, firearms (where legal), musical instruments, luxury goods, and more. Call us if you’re unsure.

Yes. Our layaway program lets you secure items with a small deposit and pay over time — interest-free. Typically 10/10/10 terms apply.

Most layaway plans give you up to 10 months to complete payments. Ask in-store for specific details.

Yes! You can browse and buy directly from our online store at shop.thepawnshopinc.com.

Yes. Many items can be reserved online, but availability is first come, first served.

Absolutely. Bring in your items and we’ll provide a free, no-obligation quote for selling or pawning.

Yes! Use our online form to upload photos and details of your item. Our team will provide an estimated quote before you visit the store.