How does a pawn loan work?
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.
What is pawn loan extension?
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.
Can I renew a pawn loan?
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.
Is my item safe?
Your item will be kept safe and secure for the duration of your pawn loan.
Do I need a credit check for a pawn loan?
No. We do not check your credit for pawn loans.
How do you arrive at the value of an item?
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.
How do you value jewelry?
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.
What are my payment options?
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.
Can I get a payment reminder?
Yes. Please ask for text message reminders when you get a pawn loan.
What items can I pawn?
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.
How new are the items?
We sell second-hand goods in good condition and have available a range of models of various age.
Is there any warranty for the item I buy?
Will you provide jewelry appraisal when I purchase jewelry?
No, we do not offer appraisals.
What is the return policy?
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.
Can I put an item on hold when I don't have the money for it right now?
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.
Can I buy multiple items on the layaway program?
Yes, you can have more than one item on Layaway.
Do I have to pay an interest for a layaway?
There is no interest on layaway but there is a layaway fee. See in-store staff for more information.
Can I cancel my layaway and will I get my money returned?
Yes, you can cancel a layaway program but there is a non-refundable restocking fee. See in-store staff for more information.
What is EZ+?
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/