The Pawn process is much the same as any other lending institution in El Cerrito and Vallejo, CA , with the primary difference being the use of collateral instead of credit.
Pawn loans are written for four months (120 days). At the end of that period the customer is required to pay the loan in full plus the small amount of interest and charges due and the collateral is returned. If the customer cannot pay the loan in full, at the pawn shop's discretion, they may offer the option of paying the interest and charges due and rewriting the loan for another four months. If the customer does not repay the loan in full plus the interest and charges due or rewrite the loan by the due date plus a 10 day grace period, the collateral is forfeited to the pawnbroker.
Interest rates and terms of a loan are governed by the State of California and cannot be changed or modified by the pawnbroker. A state licensed pawnbroker is the only entity who can legally write a pawn loan.
Granters Pawn Shop is the perfect place in El Cerrito and Vallejo, CA to get a cash loan, fast and easy! We offer a quick, convenient and confidential way for you to borrow money without a credit check. Itís as simple as bringing in your valuable items Ė we negotiate a cash loan price and hold your item as collateral for the term of the loan or until the loan is paid in full including interest and charges. We loan on everything from Gold, Diamonds, and Gemstones, to musical equipment and electronics. We pay more and give you the money you need on the spot!
On-site jewelry repair by Minh, our master jeweler with over 35 years of experience in the jewelry industry. Bring your jewelry for resizing, bench repair, soldering, stone setting, re-tipping, refurbishing, polish & cleaning, and more.
Appraisers on-site to make a fair no-obligation cash offer to buy or pawn your items of value. No appointment needed!
We understand that sometimes you might need cash quickly. Thatís why we make our loan process simple and easy for you. Our loan process is convenient and completely confidential, we donít even run a credit check. We negotiate a cash loan amount and hold onto an item you bring in as collateral.
Some pawnbrokers want to take advantage of you when you might be in a tough situation. Not us, we will pay you more and give you the money you actually need instantly. We have been the premier El Cerrito, CA pawn shop for more than 70 years. We are now proud to serve the Vallejo, CA community with the same dedicated personal attention to detail and customer service. Learn more about how we can help you with a cash loan by calling or TEXTING us at EC (510) 525-9144 or Vallejo (707) 655-4420.