Have a Question? Read our FAQs or Call Us!
A pawn is a collateral short term loan. You bring in an item, and leave it as collateral, we offer a dollar amount to loan, and a loan term with a 10-day grace period to repay your pawn (loan) amount. You can renew this loan as many times as you need and we will work with you during the process.
We determine the value of the item(s) based on in-store, auctions, and prices online. The easier the item is to value, the easier it is to loan on. When dealing with precious metal (gold/silver) or diamonds we determine the value by current market dealer prices.
At Sam’s Locker, we send a text and phone call notice when your pawn is due. We also have an app which allows you to pay and monitor your pawn loan(s) and balance. If we do not hear back from you within a few days of your late notice, we will take possession and sell your item after the grace period.
We will put your item up for sale, work with you on a layaway term or whole-sale to a dealer. This all depends on the item and your communication with us.
No credit check is required.
We loan/pawn on any items with value, especially precious metals, diamonds, newer electronics, gaming system and tools. Please visit our “PAWN” page for a detailed list.
We offer custom loan terms ranging from 5-20%. We DO NOT charge pawn ticket fees, or storage fees (unless larger vehicles needing stored off-site).
We will loan anywhere from $20 dollars to $100,000. This is determined based on the value of your item, your credibility with our store, and the amount needed.