Loans

Pawnbroking is the quickest and most efficient way of obtaining an immediate cash loan.

Advantages of Pawnbroking:

  • No credit checks
  • Instant cash given
  • Good value short term loans
  • Low interest rates (4.5%)
  • Retain ownership of your valuable items
  • Confidential services
  • No negative credit score consequences

How does a pawn loan work?

  • Pawn loans are a quick and easy way to borrow money without a credit check or hassle.
  • Loans are based on the value of your personal property (collateral), not your credit rating or income.
  • After a loan amount is decided a pawn ticket is issued stating the amount of the loan and the specific time period that Ocean Pawn And Loans will hold the customers property.
  • You must be 18 years of age and have a valid photo ID to receive a loan.
  • A photo is taken during the transaction.

Terms and Conditions

Collateral loans are issued for a 90 day term at a state regulated interest rate of 3.7 %, compounded monthly. Lost, damaged or stolen pawn tickets will incur a $5.00 fee per ticket. You can redeem your collateral anytime within the 90 day loan period or request to renew your loan contract for an additional 90 days by simply paying your interest and service fee. The borrower may also choose to surrender their collateral as payment in full and is not obligated to come back to pickup their items. Approximately 90% of all loans at Ocean Pawn and Loans are repaid.

We give loans on a variety of items:

* Gold
* Gold and Diamond Jewelry
* High-end Luxury Watches
* Musical Instruments
* Luxury Handbags (Chanel, Coach, Louis Vuitton, etc.)

*Electronics
* Smart Phones
* IPhones
* IPads

* IPods
* Flat Panel TV’s
* And More

Simply bring us an item of value, along with a valid photo ID, and we will give you money in minutes.

Call Today
(732) 244 2814

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