Pawn loans
A loan against your things, not against your credit.
No credit check, no application, no effect on your credit score either way. Bring something of value and photo ID, and walk out with cash in about ten minutes.
How it works
Three steps, and the item is yours the whole time.
Bring it in
Walk in with the item and a photo ID. No appointment, no paperwork to fill out in advance.
We appraise it in front of you
Gold gets tested and weighed on the counter. Diamonds get graded. You see the same numbers we do.
Take the cash, or take the offer
Pawn it and keep ownership, or sell it outright. Either way you walk out with cash the same visit.
What we can legally charge, and what we actually charge. Virginia caps pawnbroker interest at 5% per month (60% APR) on loans of $100 or more under Va. Code § 54.1-4008. Our rates start below that ceiling and run as low as 35% APR on pawns over $20,000, on 1, 2 or 3 month repayment, no maximum repayment period. Ask for the full cost in writing before you sign — from us or from anyone.
What you should know
It is a loan, not a sale
Your item goes into a secure safe and stays there. Repay within the term and it comes straight back to you, in the condition it arrived.
Nothing touches your credit
There is no credit application and no reporting to any bureau. If you cannot repay, the item is forfeited and sold — but there is no further debt, nothing goes to collections, and your credit is untouched.
You can extend
Most customers renew by paying the interest and rolling the loan forward. Talk to us before the due date, not after.
What makes good collateral
- Gold and silver in any condition
- Diamonds and fine jewelry
- Designer handbags with authentication
- Firearms — licensed FFL transfers handled in store
- Power tools and contractor equipment in working order
- Electronics, audio and gaming, tested before we quote
- Musical instruments