Frequently Asked Questions
Q. How does a pawn loan work?
A. Pawn loans are a quick and easy way to borrow money without a credit check. Loans are based on the value of your collateral, not your credit rating or pay schedule. Our typical pawn loan may have a term length of 60 days/one month. Service charges are per 30 day period. If you cannot pay back your pawn loan in full, we offer extensions/renewals to give you extra time. You may also choose to surrender your collateral as payment in full.
We provide pawn loans on a variety of items, including gold and diamond jewelry, firearms, autos, motorcycles, electronics, musical instruments, tools, and more. Simply bring us an item of value, along with a valid photo ID and we'll get get you money in minutes after your loan is approved.
Q. How old do I have to be to pawn an item?
A. You must be at least 18 years old to pawn.
Q. What do I need to pawn an item?
A. You will need a current, valid photo I.D. and an item of value.
Q. How long do you keep my item(s)?
A. You will have 30 days and we automatically extend another 30 days, but, as long as you are making payments, the item(s) will stay in pawn.
Q. Do you pawn firearms?
A. Yes, there will be a state mandated record check upon picking up the firearm, which is a standard 4473 form same as a purchase. There is no charge for the record check on a pawn redemption.
Q. Do you do layaway on firearms?
A. Yes, the rate is 25 percent down and 25 percent per month.
Q. Do you do layaway on jewelry?
A. Yes, the rate is 10 percent down and 10 percent per month.
Q. Is there a warranty on used gun sales?
A. Yes, we offer a 30 day warranty, on pre-owned firearms.
Q. Do you charge for layaway?
A. No, there is no extra charge for layaway. The price on the item is the price you pay.
Q. Do you work on firearms?
A. Yes, we do firearm repair. We have a lifelong gunsmith on staff, and repair facility as well.
Q. I have a FL Concealed Weapon License, do I still need to do a background check??
A. Yes, under federal law a concealed weapon permit issued by the State of Florida or any other state does not exempt you from a background check to purchase a firearm(s). [18 U.S.C. Chapter 44, 922 supersedes F.S. 790.065(4)(b)]