Frequently Asked Questions

1. How does pawning work?

Pawning is a quick and easy way to get a loan without any credit check. You bring in an item of value, and we offer you a short-term loan based on what it’s worth. Your item stays with us as collateral until the loan is repaid.

Pay back the loan (plus interest) within the agreed time, and you get your item back — simple as that. Can’t pay it off right away? No problem! You can renew your loan and get an additional four-month term to give yourself more time to redeem your item.

No credit impact, no collections — just real solutions when you need cash fast.

2. Do I have to sell my item to get cash?

Nope! You have two options:

  • Pawn it (temporary loan with your item as collateral)

  • Sell it (we buy it outright, and you walk away with cash)
    It’s totally up to you.

3. What kinds of items can I pawn or sell?

We accept a wide variety of items including:

  • Gold, silver, and diamond jewelry

  • Watches (especially name brands like Rolex)

  • Firearms (must meet legal requirements)

  • Electronics

  • Tools

  • Musical instruments

  • Collectibles and more

If you’re unsure, just ask — we’ll be happy to take a look.

4. How do you determine how much my item is worth?

Great question! We look at a few key things: the condition of your item, its brand, current market value, and how easily it can be resold. For gold and diamonds, we test purity, weight, and quality. For electronics, tools, and other items, we check that everything works and see what similar items are going for.

Our goal is always to offer a fair and honest price that works for both of us.

5. How long do I have to repay my pawn loan?

All of our pawn loans are for 4-month terms, giving you plenty of time to repay and reclaim your item. If you need more time, you can renew the loan by paying the interest and fees — and we’ll gladly extend it for another 4 months.

We make sure all terms are clearly explained upfront, so there are no surprises.

6. What happens if I can’t repay the loan?

If you can’t repay it, your item simply becomes ours to resell. You’re never sent to collections and it won’t affect your credit score. No pressure, no penalties.

7. Do you run credit checks?

Not at all. We never check your credit because pawn loans are based entirely on the value of your item — not your credit score or financial history. That’s what makes pawning such a fast, stress-free way to get the cash you need.

No credit checks. No applications. Just value-based lending.

8. Is my item safe while it’s in pawn?

Absolutely. Your item is kept safe, secure, and fully insured the entire time it’s in our care. We store all pawned items in a controlled, protected environment and treat every item — whether it’s a family heirloom or a power tool — with the same level of care and respect.

Your trust matters to us, and we take that seriously.

9. Can I pick up my item early?

Yes — you’re welcome to repay your loan and pick up your item at any time during the loan period. There’s no penalty for early redemption, and you’ll get your item back right away.

Please note: All redemptions must be paid in cash, but loan renewals can be paid using a card.

10. Do you buy or pawn broken items?

It depends. Some broken items (like gold jewelry or certain electronics) may still have value. Bring it in — we’ll assess it and let you know.

11. Do you offer layaway on items for sale?

Yes, we offer layaway! It’s a great way to lock in an item you love without having to pay for it all at once. Just make a small down payment, and we’ll hold the item for you while you make payments over time.

Stop by the shop or give us a call — we’ll walk you through the easy steps and get your layaway started.

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