Frequently Asked Questions

How can I find a Quik Pawn Shop?

Just visit our Store Locations page and select your city or key your zip code into the search box.

What are your store hours at Quik Pawn Shop?

Our stores are open from 9 a.m. to 6 p.m., Monday through Friday and from 9 a.m. to 5 p.m. on Saturday.

What services do you offer?

Quik Pawn Shop offers a variety of financial services including pawn loans, title loans, cash advances, installment loans, check cashing, and prepaid debit cards. You may also sell us your unwanted items of value or shop in our big, bright showrooms full of brand name merchandise at a fraction of retail prices.

Do your products come with a warranty?

Yes!  We offer a Product Protection Plan for a small fee.  This protection plan lasts for up to 12 months of worry-free protection.  This plan provides repair, in-store replacement, or store credit!  This protection plan is also transferable, which is great for gifts or even when reselling your item!

Do you buy back gift cards?

Yes!  We do buy unwanted or unused gift cards!  Simply bring your gift card into the store and we will make you an offer based on the amount remaining on the gift card.  We typically give up to 80% of the value of the card.

Can I put something on layaway?

Yes!  We offer a 90 layaway program.  All you have to do is put 20% down and make monthly payments for 90 days until your item is paid off.

I still have questions. How can I contact a representative?

Please contact us at 1.855.402.PAWN (7296)

What is a pawn?

A pawn is when a consumer is advanced funds in exchange for personal property that will be stored in the pawnbroker’s possession until the consumer redeems the merchandise according to the agreed upon terms in the pawn contract.

Can I renew my pawn loan?

If you are unable to pay back your pawn loan in full on its due date, you can renew your loan.  With a renewal, you pay the interest that has accrued on your pawn loan in full, and a new pawn loan is written. You may also pay down your principal with no pre-payment penalty.  Your interest rate stays the same on your loan. The loan is simply extended for another 30 days.

What items can I pawn?

You may bring any item of value including:

  • Jewelry (even damaged pieces)
  • Electronics
  • Stereos
  • Firearms
  • Televisions
  • Tools
  • Musical Equipment
  • ATV’s and motorcycles
  • And other items of value!

Are there items that Quik Pawn Shop will not accept?

There are items that Quik Pawn Shop is not able to accept based on the current market for that store.  We are also not able to take items with a missing serial number.

How does Quik Pawn Shop determine the value of my item?

We will evaluate your item based on its condition and the current market value for the item you wish to pawn.

How do you determine the condition of an item?

A Quik Pawn Shop representative will test the functionality of your item and check your item for damage/overall appearance.  A damaged item is worth less than an item that looks brand new.  Be sure you bring any accessories your item may have to get top dollar for your pawn.  For instance, game controllers, games, remote controls, manuals, and the original box could all raise the value of your pawn loan although these items are not required.

How does Quik Pawn Shop determine the value of jewelry?

Our stores use diamond and gold testers to determine the authenticity of each piece of jewelry we evaluate. We also weigh your jewelry to be sure of its precious metals value. Each piece of jewelry must pass a test verifying the validity of its mark. The electronic test is preferred because it is nondestructive. Once we determine the precious metals fineness, the value is determined based on the current day metals pricing as listed through precious metals market values.  All diamonds and precious stones are measured for approximate weight and valued through the appropriate comparable cut/color/clarity & carat (4 C's) as listed in various wholesale websites.

If I pawn an item, am I guaranteed to get it back when I repay my pawn loan?

Yes. We are bound by the Code of Alabama. Quik Pawn Shop™ prides itself on customer service and full compliance with all state and federal laws.

Is my collateral safe while in pawn?

Yes! It is Quik Pawn Shop’s responsibility to keep your items safe and in good condition while it’s in our possession. When you pawn your item with Quik Pawn, we keep all accessories (remote controls, cables, etc.) with your item and place it in a secure area. Your item is safely stored here until you come back to pay your pawn loan in full and claim your merchandise.

Can I pawn a gun?

Yes. We accept firearms as collateral for pawn loans and sell firearms in all of our locations. We are a registered firearms dealer and comply with all federal regulations. Quik Pawn Shop also uses extra safety precautions with all firearms in our possession.  We have locks & fire prevention measures on all firearms until they leave our premises.  Your firearms are kept in a sealed room with a dehumidifier installed to protect them from rust. 

Can you give me a quote over the phone for my item?

We can give you a range of what your item is typically pawned for, but we cannot be sure of its value over the phone.  We have to determine the value in person to be sure the item is in good condition and working properly in order to give you an accurate value of your item.

Will my transaction be confidential?

We respect our customers’ desire for privacy in managing their personal financial matters. All transactions are confidential and your personal information will be treated accordingly.  Quik Pawn Shop has a legal responsibility to provide local law enforcement with information on every transaction.

Can I sell my item instead of pawning it?

Yes. We will purchase most items outright if that is what you would prefer to do.  This is always an option at Quik Pawn Shop.

What does Quik Pawn Shop purchase outright?

We pay top dollar for your quality merchandise. The types of items you can sell are similar to those acceptable for a pawn. You can also sell Scrap, broken gold and silver.

What do I need to bring in order to pawn or sell my items outright?

All you need to bring is your item(s) and a valid government issued ID. That’s it!

What is a Cash Advance or a Payday Loan?

Our Cash Advance gives you the cash you need until your next payday. Simply write a personal check for the total amount due then come back and pay on your next pay day.

What is a Title Loan?

Our Title Loan is quick and convenient and makes getting cash easier than ever! You can use your truck, car, boat, motorcycle or motor home title as collateral. The title loan amount is based on your income and on the value of your vehicle. Keep your vehicle and leave with cash, then pay us back according to the payment schedule.

What is an Installment Loan?

A consumer installment loan is a loan that is repaid over time with a set number of scheduled payments, each of which usually includes principal and interest. The term of the loan may be as little as a few months or as long as 12 months at Quik Pawn Shop. It’s the perfect way to get the money you need!

Why is Quik Pawn Shop the best place to get a loan?

Quik Pawn Shop™ has been a trusted consumer lender for nearly 40 years, helping hundreds of thousands of people get cash when they need it. Our rates are very competitive within the industry. With Quik Pawn Shop, you get the cash you need in a minimum amount of time as we have streamlined the process and made it very easy!

What happens if I change my mind after taking out a loan?

Every cash advance, title loan, or installment loan customer has 24 hours to rescind their loan without being charged a fee or interest.

Can I get a loan if I have no credit?

If you are 19 years old or older, have a bank account and have a regular source of income, Quik Pawn Shop™ will work with you to get the cash you need. So even if you do not have an established credit history, we will make it happen and help you through. Pick up the phone or visit the store nearest you and you are on your way to get the money you need. For requirements, see our Loan Types.

Can I get a loan if I have bad credit?

Quik Pawn Shop™ understands that financial hardships happen and it should not prevent someone from getting the cash they need. So as long as you have a job and few other requirements, we will work with you to get you the cash you need. At Quik Pawn Shop, we help people like you secure loans whether you have good credit or less than perfect credit. For requirements, see our Loan Types.

Will my transaction be confidential?

At Quik Pawn Shop™, we respect every customer’s desire for privacy in managing their personal financial affairs. So rest assured, your loan and personal information will always be confidential. For details about our privacy policy, click here.

How much cash can I get?

At Quik Pawn Shop™ we are always here to get you the cash you need. And you might be surprised at how much cash we can get you. Now, keep in mind that state law generally regulates the maximum loan amount available for each loan type. Each loan should be part of a short-term financial solution for you, and we want to make sure that you have the ability to repay your loan. In short, we want to loan you the cash you need, and we don’t want you getting in over your head.

What is required to be approved for a loan?

What is required varies by type of loan you are applying for.

For a title loan:

  1. At least 19 years old
  2. Your vehicle and its lien-free title. The vehicle can be a car, truck, boat, motorcycle or RV
  3. Proof of income (most recent paycheck stub)
  4. Proof of residence such as one of the following: utility bill, rent receipt or car registration.
  5. SSN verification
  6. A valid government-issued photo ID


For a payday loan or cash advance:

  1. At least 19 years old
  2. Active checking account and your check book
  3. Proof of income (most recent paycheck stub)
  4. Proof of residence such as one of the following: utility bill, rent receipt or pay stub.
  5. SSN verification
  6. A valid government-issued photo ID

For a consumer installment loan:

  1. At least 19 years old
  2. Bank statement
  3. Proof of income (most recent paycheck stub)
  4. Proof of residence such as one of the following: utility bill, rent receipt or pay stub.
  5. SSN verification
  6. A valid government-issued photo ID

Can I pay off my loan early?

Yes, you can pay off anytime. We’re always happy to see you.