HOW TO BORROW MONEY



How Does a Pawn Loan Work?
Pawn loans are a quick and easy way to borrow money without a credit check or hassle. Loans are based on the value of your collateral, not your credit rating or pay schedule. Subject to state law, a pawn loan has a term length of 30 days/ one month, plus a 10 day grace period. If you cannot pay back your loan in full, we offer renewals/extensions to give you extra time. You may also choose to surrender your collateral as payment in full.

What Is a Renewal/Extension?
If you are unable to pay back your loan in full by its due date, you are able to get a renewal on your loan. With a renewal, you pay the interest/service charge that has accrued on your loan resulting in the due date being reset for the loan. At this time you may also choose to reduce the principle of the loan as long as the interest/service charges owed are current.

Will I Lose my Merchandise?
The majority of our customers are able to repay their loans and pick up their merchandise. If a customer chooses not to repay the loan, the merchandise/ collateral for the loan is forfeited, with no further obligation.

Is My Collateral Safe While in Pawn?
While your item is in pawn, you still own it. it is our responsibility to keep it safe and in the same condition while it is in our care. ADT Security Systems protect our stores. Your jewelry is further protected by jeweler's vaults monitored by the ADT systems.

Can I Just Sell my Items without Pawning?
Yes. The offer process is the same along with similar paperwork. However, there is no loan to payback.

Items Welsh Buys or Lends Money On
32 E. Derenne Avenue
Savannah, GA
912-352-4474
3200 Skidaway Road
Savannah, GA
912-356-9100
586 S. Columbia Avenue Suite 10
Rincon, GA
912-826-6437