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What is a pawn?
A pawnbroker is a business that offers secure loans to customers, with personal merchandise used as collateral. It is a safe and quick way to have some cash.
The more valuable your merchandise, the more cash you will receive. You can use laptops, musical instruments, cameras, jewels or diamonds as collateral; the final value of your item will be proportional to the general condition, the quality and, of course, the actual market of your item.
A pawn is considered a short term loan, and it matures in 30 days. At this time you have three option:
1) You may redeem your items at any time within this 30-Day period by repaying the loan amount with a service charge,
2) you may renew your loan for an additional 30-days from the due date by paying the service charge listed on your original loan contract (so called, “extension”),
3) or you may decide to simply let the loan default.
We always guarantee your collateral up to 15 days after the due date, which means that we will not sell your merchandise within this period. We will even hold your items longer if you make the effort contact us as to when you are coming in to pay.
We will try to work out the best solution for you, because we know you care of your merchandise. Anyway, defaulting on a loan won’t affect your credit, or your future borrowing ability at all.
In order to obtain a loan you will be asked to show a valid Government Issued ID card or a drivers license. Pawnshop are strictly required to record all the personal information of the customer, and the information that identify the product (brand, model, and serial number when available). This kind of registration is required both for loans or if you decide to sell us your merchandise.
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