Life happens, so let our pawn shop make life a little easier.
“Life happens.” All of us need some extra cash every now and then. No one enjoys being without, having to have uncomfortable conversations with friends and family about the lending of money. We exist so you don’t have to go through that experience. At Pawn Plus II, you can pawn or sell your valuable items and get the cash you need, now.
We are here to help you pay your bills or go on that family vacation you’ve been planning for.
You are in Luck with Pawn Plus II; “our pawn shop makes life a little easier.”
How Does A Pawn Loan Work?
Pawn loans are a quick and easy way to borrow money without a credit check. Loans are based on the value of your collateral, not your credit rating or pay schedule. A typical pawn loan have a term length of 30 days/one month, plus a 30-day/one month grace period. If you cannot pay back your loan in full, including any applicable grace period, we offer extensions/renewals to give you extra time. You may also choose to surrender your collateral as payment in full.
We loan on a variety of items, including gold and diamond jewelry, electronics, musical instruments, tools, and more. Simply bring us an item of value, along with a valid photo ID and we’ll get you money in minutes after your loan is approved.
- Gold & Jewelry
- Power Tools
What Is An Extension & Renewal?
If you are unable to pay back your loan in full on its due date, you can get an extension on your loan. With an extension, you will be required to pay a portion or full interest owed and will be given a new due day.
If you are unable to pay back your loan in full on its due date, you may get a renewal, if permitted by state law. With a renewal, you pay the interest that has accrued on your loan in full, and a new loan is written. The principal loan amount remains the same, as does the interest rate, but the due date is reset for the full loan term.
Do I Have To Pay Back The Pawn Loan?
The majority of our customers repay their pawn loans and pick up their merchandise. If a customer chooses not to repay the loan, the merchandise/collateral for the loan is forfeited.
If you change your mind you are under no obligation to pick up your merchandise. You won’t be penalized. We won’t call you (except as a courtesy to remind you your pawn is in default) and most importantly your credit won’t be affected in any way.
Since we are a locally owned and operated pawn shop, we are able to be more flexible with our loans, purchase amounts, finance charges and terms of your contract.
512 N 9th Street
Defuniak Springs, FL 32433
M – F : 9am–5pm
Sat : 10am–4pm
Sun : Closed