Simple Collateral Loan – Instant Cash Pawn
Easy as 1-2-3
We offer a fast, easy, and stress-free pawning experience. All you need is your item to leave as collateral and photo ID. Access cash from your valuables.
Bring Your Item & ID.
Get Instant Cash.
Frequently Asked Questions
A pawn is a collateral-based loan where you leave an item of value with us in exchange for cash. Once you repay the loan, including interest, your item is returned. If you don’t repay, your item is forfeited, and we sell it to recover the money.
- Bring your item to our pawn shop so we can check its value.
- We give you a 90-day cash pawn and hold your item as collateral.
- At the end of 90 days, you can:
- Redeem – Pay back the pawn plus interest and insurance and get your item back.
- Renew – Pay just the minimum payment to extend the pawn for another 90 days.
- Forfeit – Decide not to repay, and we keep and sell the item. No further recourse.
Your loan amount depends on:
- Used Market Price: What your item sells for in the pre-owned market.
- Current Retail Price: A percentage of the item’s retail value.
- Supply & Demand: Items in high demand or low supply may qualify for higher loans.
- Condition: Items in excellent condition or factory-sealed with original packaging can secure higher loans.
You need:
- An item of value.
- Valid photo ID.
- To be 18 or older.
No credit checks, background checks, or employment history needed.
We take a wide range of valuables, including:
Gold, jewelry, electronics, tools, musical instruments, video games, luxury items, clothing, collectibles, sporting goods, household items, and so much more.
Not sure if we’ll accept your item? Click here for details or give us a call for a free evaluation.
Our pawn term is 90 days, with an option to renew.
You can renew your loan by paying the interest in-store or via Interac e-transfer on or before the due date. You can renew as many times as needed.
Yes, you can repay and redeem your item at any time before the due date without penalties or discounts.
If you can’t repay your loan by the due date, your item will be forfeited and becomes our property. There is no further recourse — pawns are not reported to credit bureaus, so your credit score is never affected. You also have no additional obligations beyond the forfeited item.
In some cases, if you’d like your item back after forfeiture, you may be able to buy it back — as long as it has not already been sold. Availability is not guaranteed, so it’s best to visit the shop right away if this situation comes up.
Less than $1,000 → 48% APR + insurance fee.
$1,000 or more → 35% APR + insurance fee.
No. Pawns are private and not reported to credit bureaus. If you default, your item is forfeited, and there are no further consequences.
Yes, your transactions are confidential. We only share serial numbers and item descriptions with law enforcement as required by local bylaws.
Yes, if there’s room to borrow more on your item. However, we can’t increase loans near or past the due date.
Yes, we offer free reminder texts. Click here to log in and manage your account online.
Yes, but you must email us instructions along with your photo ID, and they must have the original ticket.
Visit us with your valid photo ID as soon as possible. We’ll secure your item and allow renewal or redemption without a ticket. No fees are charged for lost tickets.
