Questions and answers

A pawn loan is secured by something you own. The item is your collateral, so no credit check is needed. Gold and diamond jewelry, designer handbags, firearms, electronics and tools are the most common items.

Nearly anything we sell can be pawned, including jewelry, broken gold, designer handbags, firearms, electronics, musical instruments and tools. You can send photos for an estimate, but the final offer comes after we inspect the item in store.

No. We don't check your credit, and if you choose not to repay, you can surrender the collateral without penalty.

Texas pawn loans are 30-day loans with a 30-day grace period. Interest accrues daily, including during the grace period, so paying sooner saves you money. There's no penalty for paying early.

If you can't repay by the due date, pay the accrued interest and you'll get a new pawn ticket with a new 30-day term and a 30-day grace period. You can also pay down some of the principal.

An extension moves your due date forward, and you can do it in the free MobilePawn app. Extensions don't cover interest that's already due. Any overpayment is applied to your balance when the loan ends.

The Texas Office of Consumer Credit Commissioner sets pawn rates each year. Interest accrues daily based on your loan amount and how long the loan is open. A store associate will explain your terms.

We typically lend up to $1,380 on a single pawn ticket. For larger loans on gold, diamonds, cars, boats or commercial equipment, talk with a store manager.

You can surrender your collateral without penalty or judgment. The loan ends there.

Your item and a government-issued photo ID. No appointment needed.

We have nine Dallas-area stores: Big Town Mesquite, Cedar Hill, East Dallas, Garland, Lake June, Mesquite, North Dallas, South Dallas and W. Northwest Hwy. We also run Uncle Dan's Outlet, a discount retail store.