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Frequently Asked Questions

Yes, we can ship firearms nationally. Federal law requires your firearm purchase to be sent to your local Federal Firearms Dealer (FFL). All firearm purchases must comply with all local, state and Federal regulations.
A pawn is another name for a collateral loan. This is when money is lent in exchange for items of value, with the loan amount based on a percentage of that item's value. The item is returned when the loan is paid-off or can be surrendered as payment in full.
If you're unable to pay back your pawn in full on its due date, you can get an extension. With an extension, you are required to pay the interest owed. Then you may extend the length of your pawn for 30 days.
No. The only requirement is a valid state issued photo ID
We provide loans on just about everything! Including but not limited to these common items: - Gold and Diamond jewelry - Watches - premium designer brands and fashion watches - Televisions - Laptops, tablets and PC's. - Cell phones - Cameras, lenses and camcorders - Home Audio and Video- receivers, power amps, DVD and blue-ray players - Musical instruments - Tools- power, hand, battery and ladder - Lawn and Garden- mowers, snow blowers, trimmers, blowers, chainsaws and woodchippers - Firearms- rifles, shotguns and handguns. - Sports and Outdoor- hunting bows, fishing rods and reels, depth finders, camping equipment, knives, binoculars, scopes, range finder, cross bow, and recreational bows - Automotive- car audio, speakers and subwoofers - Art and Collectibles - Recreational equipment - bicycles, motorcycles, ATVs, UTVs, snowmobiles, trolling motors, and trailers
Yes, J&S Pawn and Gun accepts firearms as collateral for pawn loans, as regulated by ATF federal law. We are a registered firearms dealer and must comply with all federal regulations. A federal 4473 form must be completed upon each firearm reclaim.
On average, roughly 80% of all pawns are repaid. Items are only forfeited if the borrower chooses not to repay the loan. Repeat customers make up much of the business, like other lending or retail establishments. Hence, we develop relationships with our customers because they often borrow against the same items repeatedly.
While your item is in pawn, you still own it. It is our responsibility to keep it safe and in the same great condition it was brought to us, while it's in our care. When you give us an item for a pawn, we keep all accessories (remote controls, cables, etc.) with your item and place it in a secure area. Your item is safely stored until you return to pay your pawn in full and reclaim it. J&S Pawn and Gun is fully insured for the loan value of the collateral we keep.
Pawn amounts vary according to the item's value. There is no minimum or maximum amount on a pawn transaction. Your loan amount will be determined according to other factors as well, such as product demand and condition of the item as well as the history of each customer. Not all pawn stores are the same, and prices may vary.
Pawn amounts are based on the item's current appraised value, condition, and our ability to sell the item.
When jewelry is the collateral for a pawn, we test the precious metals and diamonds to determine its worth. The diamond testing includes a visual inspection using a jeweler's loupe, weighing the item, sizing (determining carat weight of) any stones, and noting the cut/color/clarity of each. Additionally, 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.
The price of gold is based on market values, the price for which is routinely reviewed and updated. Prices can vary greatly as the loan amount for 24K gold is significantly higher than that of 14K gold.
No, all lenders must charge rates commensurate with the size and duration of the loan, collateral, risk, and recourse. Pawn transactions are small, short-term loans with no hidden fees.
Pawn shops are one of the worst places to attempt to get rid of stolen merchandise, as we are highly regulated, work closely with local and federal law enforcement officials, and train our staff to be on the lookout for and identify stolen property. Every pawn transaction is shared with police departments nationwide. Less than 1% of items are identified as stolen goods.
We determine the value of each item based on specific characteristics. We want to do our best to get each customers needs met while also keeping in mind market pricing.
We look over each item to make sure the value is correctly given to each item. Ask us for more information about the jewelry we have in store. All the diamonds and metal are checked to be sure they are advertised correctly.
We buy items and make collateral loans to give you extra cash. We then sell items for their value.

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