Borrowing money at National Pawn & Jewelry is easy and fast. We regularly make loans in amounts from as little as $5 to as much as $1,000,000,00. And we make the process simple, pressure free and easy to understand. We offer tremendous advantages over traditional lending institutions. For instance, we pay out in cash on the same visit. Also, we do not require a waiting period. And we also do not require you to complete lengthy loan applications and lots of other paperwork. When our customers need a quick cash loan, they know we will loan them top dollar for the collateral they deposit.
At National Pawn & Jewelry, one of the key ways we help people in the community is to provide fast and easy loans. But we are not like the larger banks or conglomerate lending institutions. Our process is simpler and more straightforward. With a traditional institutional banking loan, the borrower needs to fill out a lot of paperwork and undergo tremendous scrutiny. And when you get a loan with a bank, sometimes you feel like they are doing you a big favor. That is not the way we do business.
At National Pawn & Jewelry, the process is simple and straightforward, and it is really fast. In fact, we don’t even have any loan application forms to fill out. And there are no background checks. And we do not make our borrowers feel like this is a one-sided transaction, and we are the boss. To get a loan with National Pawn & Jewelry, you don’t need an appointment. You simply need to show up at one of our many locations with an item of value that you will use as collateral for your loan. From there, it is a simple, fast process to get your money. And we deliver it to you immediately in cash. Right there. Right then. When you get a loan at National Pawn, you will be treated with respect and professionalism because we want your business, and we will work hard to get it.
At National Pawn & Jewelry, we have a strong reputation for paying a higher percentage value for our loans. We pay more against the value of your collateral item than other pawn shops. And then we put your item in one of our extremely secure vaults until you return to redeem it. And speaking of redeeming your item – smaller, independent pawn shops and pawn brokers have a reputation of not wanting you to redeem your item. That is not the way we work at National Pawn & Jewelry. We will go out of our way to help you redeem your deposited item. We want you to get your goods back.
This is how it works… Our loans are based on the value of the tangible items that you put in holding at one of our facilities. When you want to get a loan from National Pawn & Jewelry, you need to bring in an item as collateral. These items can be things such as jewelry with gold, silver or diamonds, professional power tools or hand tools, household items such as electronics, televisions, laptops or desktop computers or even musical instruments and sporting goods. The amount of cash you can borrow is determined by the value of the item you bring in as collateral. So, the more valuable your item is; the more money you can borrow.
When you arrive at one of National Pawn & Jewelry’s many locations with an item to be used as collateral, we will offer to give you a loan based on the value of that particular item. So the value and condition of the item will be the deciding factor as to what the loan amount will be. We don’t play any games; we just give you an excellent offer for a cash loan based on what you bring to us. And we will tell you clearly – right then and there, what the item is worth and how much you can borrow when using it for collateral.
Also, another important thing about National Pawn & Jewelry that you will like. Loans based on collateral at pawn companies are known as “non-recourse loans.” That means that you have the option to pay or not to pay off the loan. It is your choice. You are not required to pay off the loan and redeem your item. And if you decide not to pay it off, it will not affect your credit score. National Pawn & Jewelry does not report your decision to any credit agency or credit bureaus. You are in the driver’s seat.
If you decide to redeem your item, you have a right to do so at any time during the term of the loan. And at National Pawn & Jewelry, we make it easy. The only thing you need to do is show up at the same National Pawn & Jewelry location and pay off the loan principal (the amount you borrowed) and the storage fees and the interest. And will be no surprises because your original receipt lists out all of the charges beforehand. And if you choose not to redeem the item during the term of the loan, the item you used as collateral will become the property of the pawn broker. Then he will be entitled to sell the merchandise to pay off the loan and other fees.