How a 60-Day Pawn Loan Works at Express Pawn

What a Pawn Loan Actually Is

A pawn loan is one of the simplest ways to get cash without touching a bank or filling out a loan application. You bring in something you own, one of our staff looks it over and puts a fair value on it, and we hand you cash based on that value right there at the counter. The item itself becomes the collateral. You keep the loan slip, we keep the item, and when you come back and pay off what you borrowed, you get it back exactly as you left it. If a loan isn't paid off by the deadline, the item stays with us, but nothing happens to it before that point. It's a straightforward trade: cash now, item held safe until you settle up.

No Credit Check, Just Your Item's Value

One of the biggest differences between a pawn loan and a bank loan is what gets checked. We don't pull your credit. The only thing that decides how much we can loan you is the item you're pawning and what it's worth. That opens the door to almost anyone, whether your credit is spotless or you've had a rough stretch financially. Bring in jewelry, tools, electronics, firearms, instruments, or almost anything else of real value, and our trained staff evaluate the item on its own merits, not your financial history or your bank statement.

You walk in, trained staff evaluate your item, and if you agree on the amount, that is your loan. That directness is a big part of why people choose a pawn loan when they need money and don't want to sit on hold with a bank.

Why 60 Days Instead of the Usual 30

A lot of pawn shops set a 30-day window on their loans. We give you 60 days instead, twice the standard amount of time. That extra month matters more than it sounds like it would. It gives you room to wait for your next paycheck, sort out an unexpected bill, or simply not feel rushed every time the calendar flips. Fewer people end up losing an item they wanted back simply because the clock ran out too fast, and fewer people have to make a special trip to the counter every four weeks just to keep a loan current.

How You Get Your Item Back

Paying off a pawn loan is about as simple as taking one out. Bring your loan slip back to the counter, pay off what you owe, and the item is handed right back to you. While it's with us, everything you pawn is kept in a climate-controlled space, so a guitar, a ring or a tool isn't sitting somewhere it could warp, tarnish or rust while you're paying it off. It comes back to you looking the same as the day you brought it in.

We send text alerts on pawn payments so you're not relying on memory alone to track a due date. Life gets busy, and a missed deadline because you simply forgot is the last thing anyone wants. A text a few days ahead of your payment gives you time to plan for it instead of scrambling at the last minute, and it means fewer surprises for you and for us.

What to Bring When You Pawn Something

• A valid photo ID
• The item you want to pawn, in whatever condition it's in
• Any documentation you have on it, especially for electronics or firearms
• A little patience, since our staff take a real look at what you bring in rather than guessing at a number

Two Stores, the Same Terms

Whether you stop by our Paragould store at 1401 W Hunt St or our Jonesboro store at 3205 E Nettleton Ave, the terms don't change. Sixty-day pawns, no credit check, and staff trained to give you an honest number for whatever you bring across the counter. Call Paragould at (870) 205-0626 or Jonesboro at (870) 931-6000, or just walk in during business hours: Monday through Friday 9 to 5:30, Saturday 9 to 4, closed Sunday. Either counter can walk you through the whole process in a few minutes.