Frequently Asked Questions

We accept personal items as collateral and lend you money for a specified period when you need cash. We secure the item(s) in a safe place for the duration of your loan. You can pay your loan in full and redeem your item(s) when the pawn loan is due. You may choose to renew or extend the loan (if available).

You do not have to repay your pawn loan. You can choose to forfeit the items presented for pawn, If you do not repay the loan (or extend/renew). If you forfeit your items there is no recourse and no negative reporting to any credit agencies.

You may be able to extend the due date of your loan by paying outstanding pawn service charges. The availability of extensions and exact terms vary by state. See a store staff for more details.

The availability of renewals varies by state. So, a pawn loan may be renewable, but a renewal is a new pawn loan. You may be able to renew your pawn loan for an additional term by paying outstanding pawn service charges. See in-store staff for more details.

Your item will be kept safe and secure for the duration of your pawn loan.

No. We do not check your credit for pawn loans.

Each item is appraised by our experienced Team Members and our specialized pawn loan software. The value is established based on a number of considerations, including the condition of the item and demand in market for the item.

Jewelry will be appraised by our staff with expertise in this area and our specialized pawn loan software. The value of jewelry is based on a number of considerations, including weight and authenticity. When jewelry contains diamonds, size, quality, and authenticity of the diamonds will be factored in to arrive at a value for the piece.

We have a few payment options available for you.

1. Pay at the store

2. Call the store to make payment (where available)

3. Online via EZ+ Web App (https://app.ezplus.com/pay-as-...)

Please note you can use 2 and 3 only for pawn extensions; if you want to pay off the pawn, then you must visit your store to make the payment and redeem the pawn collateral.

Note: Not all services are available in all areas. Pawn extensions not offered in Arizona, Oklahoma, Oregon, Pennsylvania, or Wisconsin. Extensions by day only offered in select states including Florida and Texas.

Yes. Please ask for text message reminders when you get a pawn loan.

We accept almost any item of value. Please check with our in-store staff for exceptions. Firearms and vehicle loans are accepted only in specified locations.

We sell second-hand goods in good condition and have available a range of models of various age.

No.

No, we do not offer appraisals.

We accept returns within the same day. Please see our Return Policy. If you purchase the Product Protection Plan or the Jewelry VIP Program, you may have more options for return or exchange of an item you bought.

Sorry, but are not able to hold items. However, we do have a Layaway Program in which you can pay a minimum amount down and a layaway fee and pay the rest of the purchase price in regular monthly installments. See in-store staff for more information.

Yes, you can have more than one item on Layaway.

There is no interest on layaway but there is a layaway fee. See in-store staff for more information.

Cancelled layaways are subject to a restocking fee of $10 or 10% of the purchase price (whichever is greater). No cash refunds. A credit slip will be issued on all cancelled layaway sales. Credit slip expires after 6 months from the date issued. Please see a Team Member for additional details.

EZ+ is our customer online portal; a service accessible to all of our customers and a common experience for all of our brands.

Some of the benefits of an EZ+ account included:

· View active pawns and layaways details

· Make layaways payments

· Extend pawns

· EZ+ Rewards

· And more!

To learn more about EZ+ and its benefits go to https://ezplus.com/