FAQs
how do you value my items?
Every item is evaluated individually, and the loan or sell amount is determined based on the item’s desirability and fair market resale value.
What Is A Pawn Loan?
A pawn loan is a short term (30-60 days) collateral loan meaning we loan money (pawn) based on the items you bring us (collateral).
What kind of items do you buy?
We will purchase just about anything of value including electronics, jewelry, firearms, tools, video games, TVs, among many other things. Our offers are backed by research – particularly with vintage items. Generally, we do not purchase furniture and vehicles due to our limited space.
How can I make a payment?
Your payment is due 30 days from the day you took out the loan – it can be paid in advance of the final “due date” or the day of. Those unable to make this timeframe can extend their loans with the original amount another 30 days with increased interest.
When is my payment due?
Your payment is due 30 days from the day you took out the loan – it can be paid in advance of the final “due date” or the day of. Those unable to make this timeframe can extend their loans with the original amount another 30 days with increased interest.
What happens if I can't make a payment?
Contact us as soon as possible. All loans have a 30 day grace period from the due date for a total of 60 days to pay the loan from the day you took it out. Sometimes arrangements can be made and we always aim to work with you – call us, text us (through Google Chat), or stop in the store.
Do you take late payments?
Yes, if you are past due on your loan please call the store, or come in as soon as you can so arrangements can be made if possible.
How do I create an account to pay online?
You must call or go into our store so we can verify your information and send you an Activation Text giving you access to your account.
What is the limit of a loan?
There is no limit to the amount or number of loans you can receive. However, remember the amount of the loan is based on the valuation of your item(s).
What documents do I need?
All you need is a valid Government ID which includes in or out of state drivers licenses/ID, active military ID card, or passports. We can usually take valid Foreign ID cards as well.
How long does the process typically take?
Will my item be safe if I pawn it?
We pride ourselves on care of our customers and their items. All loans are securely kept in storage – untouched until redeemed by its owner. We have insurance for all our loaned items, 24/7 video monitoring, and a sophisticated alarm system directly connected to the police in the event of a break-in.
How much will it cost to get my pawn loan back?
We have 3 tiers of interest rates: loans $.01-$250 is 20% for 30 days, loans $250.01-$999.99 is calculated at 20% for the first $250 with an additional 10% for any amount above the initial $250, loans $1,000+ is 10% for the first 30 days. Please ask our associates for more details.
Have More Questions?
We would be happy to answer them! Just give either store a call: North College Store (970.493.9083) / South College Store (970.530.4620). Also, feel free to email us at: [email protected]