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Getting a short-term loan shouldn’t be an embarrassing experience. At CashCo we work hard to prove stereotypes wrong with excellent customer service and a friendly professional environment. Visit one of our two locations today!
[accordion-item title=”HOW DOES A PAWN WORK?”]
A pawn is a collateral loan. You leave an item as collateral, we offer a loan amount, and you have up to 6 months and a 10-day grace period to repay your loan amount, with additional interest and fees, to recover your item.
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[accordion-item title=”HOW DO WE DETERMINE THE VALUE OF AN ITEM?”]
For jewelry, value is determined by current precious metal or diamond wholesale market prices. For other items, value is determined by average sold prices through online sources and in-store sellability.
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[accordion-item title=”WHAT HAPPENS IF I DON’T REPAY MY LOAN?”]
Your collateral will be forfeited and could be sold.
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[accordion-item title=”HOW MUCH TIME DO I HAVE TO PICK UP MY ITEM?”]
You have up to 6 months plus a 10-day grace period.
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[accordion-item title=”WHAT IF I CAN’T PAY TO GET MY ITEM OUT OF PAWN?”]
You have the option to just pay the interest charges and renew your loan for another term.
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[accordion-item title=”WILL MY ITEM BE PLACED OUT FOR SALE WHEN I PAWN IT?”]
No. Your item can only be sold if it is forfeited and the interest charges are not paid.
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[accordion-item title=”DO I NEED TO HAVE GOOD CREDIT TO PAWN SOMETHING AND GET A LOAN?”]
No. No credit check is required. Loans are based on a percentage of the value of your item.
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[accordion-item title=”WHAT TYPE OF ITEMS CAN I PAWN?”]
You can borrow money against jewelry, electronics, and power tools. Generally, if your item has a resale value, we can extend a loan, depending on demand and condition of your item.
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[accordion-item title=”IS MY INFORMATION SAFE WHEN I PAWN SOMETHING?”]
Yes. Pawn shops are regulated at a local, state, and federal level. It is our responsibility to keep your information both safe and confidential.
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[accordion-item title=”HOW MUCH IS THE INTEREST?”]
The interest rate can change; depending on the amount borrowed and time it takes to pay back your loan, but is usually lower than bank overdraft fees and late credit card fees. We strive to keep our interest rates low and competitive to make pawning with us a smart and affordable option for your short-term financial needs.
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[accordion-item title=”HOW MUCH MONEY CAN I BORROW?”]
The amount loaned is a percentage of the value of an item, depending on demand for the item and its condition.
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[accordion-item title=”CAN YOU PAWN OR SELL BROKEN JEWELRY?”]
Yes. Precious metals, like gold, platinum, and silver, are still worth something depending on the market value of the metal.
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[accordion-item title=”CAN SOMEONE ELSE PAY MY LOAN AND PICK UP MY ITEM?”]
No. Only the person who pawns the item can redeem it. An exception can be made if you assign another person to redeem your item in person.
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[accordion-item title=”CAN I USE A CREDIT CARD TO PAY FOR MY PAWN?”] We accept debit cards for payments on pawn loans now. Also, you can use a credit or debit card when making a purchase. We sell jewelry, the latest gadgets, tools, and many other items at a low affordable price.
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[accordion-item title=”WILL I BE NOTIFIED MY LOAN IS ABOUT TO EXPIRE?”]
Yes. A notice is sent out after the initial 120 day loan period. The notice establishes that you have a 10-day grace period to redeem your item, but will be charged a late fee if the grace period is used.
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[accordion-item title=”IS THERE A LIMIT ON HOW MUCH I CAN BORROW?”]
There is no limit. Loans are based on a percentage of the collateral you bring.
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[accordion-item title=”HOW DOES YOUR REWARDS SYSTEM WORK?”]
Each point given is worth $1 towards a purchase or lay-away. You can receive one point for every pawn or interest payment transaction performed. You also receive one point for every $100 spent during a purchase.
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