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More Questions About Pawn Loans

Sterling & Knight

Jewelry & Pawn

 

Why do a pawn loan? Pawn loans are a quick and easy way to borrow money without having to worry about a credit check or hassling service. It is a simple process, and you will obtain fast cash in no time at all. A pawn loan is based on the value of your trade in collateral, not your credit score or your pay schedule.

How does a pawn loan work? Here at Sterling & Knight Jewelry & Pawn, all you have to do is to bring your pawn loan item in, have it appraised, and then get the quick money you are desiring. You can borrow as low as $10 or all the way up to $50,000 based on the value of your collateral. If you are not able to pay back your loan within the allotted amount of time given to you, our business offers extensions and renewals on your loan to give you the extra time you need. All you have to do is pay the interest on the loan, in addition to the money still owed in order to get your collateral back or you can give up your collateral, and that will nullify the amount you owe on the loan. We have many customers that do not want his or her items back and just decide to keep the money. This is completely up to you.

Do different states have different rules regulating pawn loans? Yes. Subject to individual states, rules vary on how long you will have to pay the loan back. Some loans may have a length of 30 days (one month), plus a 30 day grace period. Sterling & Knight Jewelry & Pawn offers 30 day loans on most articles of value. All cash loans are given in complete privacy, and if you require more time to pay the loan, all you have to do is pay the interest, and you will be able to renew the loan as often as you desire. We will take very good care of your item, storing it away in a safe place until you have paid off your loan balance.

What is an extension? An extension helps you out by giving you more time to pay off your loan. If you are not able to pay back your loan on time or in full by the due date, you can apply for an extension on your current loan, as long as your state allows it based on the pawn shop regulations for that state. When you receive an extension, you will have more time to pay back the loan money. You will have to pay interest on the item, but this will allow you to extend the length of the loan for as many days that your state will permit.

Will I end up losing my merchandise? No! Most of our customers do repay back his or her pawn loans in order to pick up their collateral. If you choose not to pay the loan back, your collateral involving the loan is forfeited. We will also be more than happy to purchase your collateral, if you are not interested in receiving a pawn loan, and you can get quick cash that way, as well.

We are a pawnshop or pawn shop, but we also buy gold and pay cash for your gold, we also pay cash for diamonds, we buy diamonds, we sell diamond engagement rings, diamond stud earrings, diamond and gold or platinum wedding bands and more! 

We also serve the following Areas in Chicago:

Addison, Bensenville, Berkeley, Broadview, Brookfield, Burr Ridge, Chicago, Clarendon Hills, Darien, Du Page, Elmhurst, Glen Ellyn, Downers Grove, Hinsdale, Hillside, Indian Head Park, La Grange, Lisle, Lombard, Oak Brook, Oak Brook Terrace, Riverside, Villa Park, Westchester, Western Springs, Western Suburbs and Westmont in the Greater Chicago Area!

We have two locations to serve you! We are located in:

Villa Park

109 E. St Charles Road
Villa Park, IL 60181
680.833.0800
shaina@skjewelryandpawn.com

Hours: Monday 10 – 7:00
Tuesday – Friday 10 – 6:00
Saturday 10- 3:00 

 

Hinsdale

244 E. Ogden Ave.
Suite 114 (In the Courtyard of Koshgarian Plaza)
Hinsdale, IL  60521
630.321.5600
info@skjewelryandpawn.com

Hours: Monday – Friday   10 – 6:00
Saturday & Sunday by appointment.

If you refer a new customer to our store, you receive a 3% referral bonus, just like referring someone to host a Gold Party.

Please visit our website at

www.skjewelryandpawn.com

Thank you for your business and continued faith in our local, family owned business. We’ve had the privilege of working with wonderful customers and helping them in these troubled times. 

          

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