LOANS

WHAT IS PAWN?

Pawning is much like getting a secured loan from a bank or traditional loan company. The borrower provides suitable items of value as collateral. The items are held by the pawn broker until the loan is repaid with interest. If the loan is not repaid as set forth in the loan agreement the collateral lawfully becomes the property of the lender.

Notices regarding Volunteer PawnBrokers’ buying practices and requirements: Our buyers cannot determine the value your articles by phone, fax or email. An associate must see and inspect the items before making you an offer. Bring your items to our store is the best way to insure the very best price for your items. Minimum age for sellers is 18 years. A possible alternative is to bring a parent or legal guardian with a legal picture ID.

SELLING YOUR VALUABLES TO VOLUNTEER PAWNBROKERS IS EASY.
WE PAY IN CASH!

* Volunteer PawnBrokers reserves the right to decline to make offers on any items.

Expect fast, secure, discreet and personalized cash loan services. Cash is waiting for you! Need a quick loan until payday? All Volunteer PawnBrokers loan associates take personal interests in your pre-payday loan needs. It’s easy to get a payday loan. No forms to fill! Just bring your collateral and ID to Volunteer PawnBrokers. The entire process of receiving the cash you need may take as little as five minutes. If you have never pawned before, no problem. Simply bring one or more items of value you wish to leave with Volunteer PawnBrokers as collateral. There are no forms to fill. Borrowers must be at least 18 years of age and present a valid driver’s license or other legal form of photo identification.

Questions most frequently asked by Volunteer PawnBrokers loan customers:

Is there a limit total amount I can borrow from Volunteer PawnBrokers?

Answer: The only limit is the amount we will loan on a single item of collateral. When you need cash beyond the single item limit, you can offer multiple items for collateral. Given the total value and number of items, you can borrow thousands when you need it.

I do not want to lose my pawned items. How long do I have to redeem them?

Answer: There is a 30-day (grace) period past your maturity date in which to redeem your items. To redeem your property, present your pawn ticket and repay the loan plus the up-to-date interest.

If the loan is still within the initial 30 day grace period, you may request an extension. Bring your pawn ticket and pay the interest due to extend your loan.

If I do not redeem, pay interest or extend within the grace period, what happens?

Answer: By Tennesse State Law, your items become the legal property of the lender (pawnbroker).

What can I do if my pawn ticket is lost or destroyed?

Answer: Go immediately to Volunteer PawnBrokers. If your items have not been redeemed and you are within the grace period, you can complete and submit a lost ticket request. Bring the same photo identification card you used when pawning your items.