Frequently Asked Questions

What items can I Pawn or Sell to you? 

We provide Loans and Buy 10k, 14k, 18k, 24k Gold, Platinum, Silver, Diamonds, High End Watches & Coins.



How long do I have to pay off my loan?

Our loan contract is for 4 months. 



Can I extend my Pawn period?

Absolutely. If you need more time on your loan, you may Re-New your loan by paying the Interest and Fees.

 

Can I make a payment from home? 

Yes! You may now View or Re-New your loan at home with our New App. Contact us for more information. 



If I wanted to pay off my loan early, will there be any prepayment penalties?

No. There are no penalty charges for paying off your loan early.



How long do I have to wait before I receive my money? 

There is no wait time. You would receive your money instantly. 



Do you need a credit check or background check in order to pawn?

No. You only need to provide proper ID.



What is the monthly interest rate?

Our interest rate is 4% which is the lowest rate in the country. According to the National Pawn Association, the national average interest rate is 15% and may go as high as 25%.



Do you help with small business loans?

Yes. Businesses need money to fuel or refuel themselves. Whether money is needed for a startup operation or for sudden unexpected circumstances such as equipment failure, we are here to help.  

 

How old do I have to be to Pawn or Sell? 

You must be at least 18 years old with a valid photo ID



What type of payments do you accept?

Cash and Debit Card, or Check. Checks must clear before you pick up your Pawn.



What happens if I can't Re-Pay my loan? Will it ruin my credit?

If you are having a problem re-paying your loan, we would try our hardest work with you in finding a solution. We would not want to see you lose your precious jewelry.  If you default on your loan, however, please know that your credit will not be affected. 

Please call 48 hours in advance to schedule for any pick ups
Members of the National Pawnbrokers Association & Collateral Loan brokers Association of NY. Licensed, Bonded & Insured.
DCA License #1341783 and #1272523