How long can you pawn something for?

southbaypawn.com - Pawn Loans: How Long Does the Shop Keep My Item Before Selling It?

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If you are thinking about taking out a pawn loan it is important that you understand all the terms before finalizing it. One of the first questions people often have is how long they will have to pay off their loans before we sell the item. Read on to get an answer to this question as well as other questions about pawn loans. You can also contact South Bay Jewelry & Loan at (310) 371-4571 with your specific questions.

The Amount of Time Items Are Held Will Vary

The short answer is that there is no standard amount of time that all pawn shops hold items. Generally, pawn shops will hold them for at least one month (or thirty days) from the day you brought them in. The shop could also offer a grace period but you are better off paying it within the initial period if you can. If you are not able to do so, talk to an associate at your pawn shop as they might be authorized to extend the terms of the loan. There is Always a Waiting Period When You Sell Items to a Pawn Shop Even if you do not take out a loan and instead sell your item to a pawn shop, the shop will have a waiting period before they sell the item. This is actually required by law to prevent thieves from selling items with no recourse. As is, the pawn shop must take photos of the item and account for all details not included in the photos. The information is sent to a database and if nothing comes up stolen that matches the description within a specific period of time, then the item can be sold.

Is it Better to Get a Loan or to Sell My Item Outright?

That depends on a variety of factors. Of course, if you know that you will want the item again then you should choose a pawn loan, and if you know you are done with it, then you should sell it. But what if you are not sure? Keep in mind that pawn loans are easy to get. They do not require a background check, credit check, or proof of income. All you need is the item you want to sell and proof of your identity. Due to the fact that we actually have the collateral in our shop and can sell it any time after the waiting period is over, there is little risk for us. As a result, we can offer much lower interest rates on our loans than you would likely see at a payday loan shop or any other type of loan. If you are considering the options and are not sure what to do, we recommend you contact South Bay Jewelry & Loan at (310) 371-4571 to get an idea of what your item is worth.

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