Pawn and Loans guides

A pawn loan turns an item you own into short term cash without a credit check: the shop holds your gold, jewelry or coins as collateral, you repay the loan plus fees to get it back, and if you do not repay, the item is forfeited with no effect on your credit. Rates, storage fees and redemption windows are set by state law, so the same loan can cost very different amounts depending on where you live.

These guides explain how pawn loans work, what pawn shops actually pay for gold, when pawning beats selling and when it does not, and how to recognize a well run shop. If you are weighing a loan against an outright sale, check your item's floor with the gold value calculator, consider the full range of gold loan options, and compare customer-rated shops in the pawn shop directory before you hand anything over the counter.