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General Questions

How does a Loan / Pawn work?
Pawn loans are a quick and easy way to borrow money without a credit check. Loans / Pawns are based on the value of your collateral, not your credit rating or pay schedule.  A typical pawn loan has a term length of 30 days/one month, plus a 7 day grace period. If you cannot pay back your pawn loan in full, including any applicable grace period, we offer extensions to give you extra time. You may also choose to surrender your collateral as payment in full. This option does not give you a bad name in the store. You’ll always be welcome to come back in the future to borrow money again.
We provide pawn loans on a variety of items, including gold and silver jewelry, rifles, electronics, musical instruments, video games, and more. Simply bring us an item of value, along with 2 pieces of valid ID, one of which must be a photo ID and we’ll get you money in minutes.
Will I lose my merchandise if i don't come back?

The majority of our customers repay their pawn loans and pick up their merchandise. If a customer chooses not to repay the pawn loan, the merchandise/collateral for the loan is forfeited. We will also purchase items of value if you do not want to get a pawn loan. 

How do I know that the items for sale, are not stolen?

It’s always been a common misconception that most items in a pawn shop are stolen. We’re aiming to change that, Everything we buy is held for 30 days, and a report is sent to the RCMP of everything we take into the store every week.

How do you determine an item’s worth?
We base pawn loan amounts on the value of your item—its current appraised value, its current condition, and our ability to sell the item. We use all the research tools we have at our disposal to determine an item’s value and get you the most money we can.
The appraisal process varies depending on the type of item—for example, jewelry is evaluated differently than a DVD player. We have internal pricing and research policy to review items to ensure that our pawn loan values are in line with the general marketplace for pre-owned merchandise. This provides us with the item’s retail value when it was new, its pre-owned market value, and how to determine its condition.
Can you give a quote on an item over the phone?

Unfortunately, we cannot give an accurate quote over the phone because the condition of an item can vary. The best idea is to bring your items in where we can give you the best possible price.

How do you determine the value of jewelry?
When jewelry is the collateral for a pawn loan, we test the precious metals and diamonds to determine its worth.
The diamond testing includes a visual inspection using a jeweler’s loupe, a diamond tester, weighing the item, sizing (determining carat weight) any stones, and noting the cut/color/clarity of each.
In addition, we test the metal using a special acid that determines the karat of gold. This is done to ensure a clean test so there are no false readings on your item that may detract from what we can loan you.
How do you determine the condition of an item?
The condition of an item is always taken into account during the appraisal process for a pawn loan. If one 42-inch television comes in that is in perfect condition and one 42-inch television comes in with the base missing or slight damage to the plastic, we will loan more on the TV that’s in better condition.
When it’s general merchandise you want to pawn, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories (such as remote controls)
The better the condition of your item, the more money we can loan you. This is true for any item.

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