How It Works
Four steps, fifteen minutes. Your business stays your business.
Walk into any store with your item and a valid ID.
We'll inspect it, give you our fair offer, and explain how we got there.
Sign a simple TN-compliant ticket. Walk out with cash the same day.
Come in by day 30 to make an interest payment and keep your loan current. Redeem in full anytime.
Our Loan Terms
Tennessee law caps pawn interest at 22% per month. We quote you a flat rate up front — no compounding, no surprises. Your item is stored securely and insured while it's with us.
What We Pawn
If it has value and we can store it, we'll look at it. Some of our most common loans:
Request an Estimate
Tell us what you've got. We'll come back with a ballpark offer within one business day. Final offer requires seeing the item in person.
FAQ
Do I need good credit to get a pawn loan?+
No. A pawn loan is secured by your item, not by your credit. We don't run a credit check and the loan has no effect on your credit score.
What do I need to bring?+
A valid government-issued photo ID (driver's license, state ID, or passport) and the item you're pawning. For firearms, the item must be legally owned by you.
How do you decide what to offer?+
Item condition, current market resale value, and how long it's likely to take us to resell if you don't redeem. We'll walk you through our reasoning.
What happens if I can't pay by the due date?+
Come in by day 30 to pay the interest and extend your loan — that keeps you current. If you wait longer, additional interest accrues. If you ignore it entirely, the item becomes ours to sell. No effect on your credit, either way.
Can I extend my loan?+
Yes. Pay the interest due and the loan resets for another 30 days. Many customers do this multiple times.