How Pawning Works

Happy Jack’s Pawning service is a great way to get a loan, fast! We offer small loans on home electronics, musical equipment, power tools, and more. Simply bring your items in, and our trained staff will appraise them and make an offer based on the current market value as well as the item’s condition. You will then have 90 days to repay the loan while the items are held as collateral.

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  • To pawn an item, customers must be at least 18 years old, and have 2 pieces of Government ID – one with a photo.

  • Pawned items are required to have legible, untampered serial numbers.

  • All new items must stay in hold for a minimum of 72 hours.

  • Pawned items will be held up to 90 days.

  • Items can be claimed by anyone in possession of the pawn ticket provided, or by the person who pawned the item if they have one piece of ID.

  • Claiming an item you’ve pawned will require repayment of the original loan, with interest for each month it was in hold. A $1 claim fee is also added to every claim.

  • Interest is calculated as 20% of the price of the original loan. For example, the interest on a loan of $100 would be $20 for each month that the item is on hold.

  • There is no credit check required.

  • There is no extra charge for lost tickets or debit transactions.

  • After 90 days, your item becomes the property of Happy Jack’s Pawn and will be sold.