General Loan Terms:
Bring in your jewelry, guns, tools, electronics, or other valuable items. Leave them with us and receive cash immediately in the form of a loan. The items you leave with us are safely placed in our bonded and insured storage and are not viewable or available to the public. There are no credit checks. All loans are 60 days in length, and may be extended by paying a finance charge. We are regulated and audited by the State of Oregon’s Division of Finance and Corporate Securities so you are assured your items are held properly.
Finance charge is made up of the following: (all fees based on the amount you borrow)
Interest: Three percent per month. One month minimum interest on all loans or $3.00, whichever is greater.
Set up Fee: 10% of loan amount on all loans and all loan renewals with a minimum charge of $2.00 and a maximum charge of $100.00.
Storage Fee: 3% of loan amount on all loans and loan renewals with a minimum charge of $2.00 and a maximum charge of $100.00.
Gun Fee: $3.00 on new loans, also any fee that a government agency imposes on the PLEDGEE for holding or transferring a firearm.
Notification Fee: On loans of $1,500.00 or more a fee of $5.00 plus postage.
Lost, Destroyed or Stolen Ticket Fee: A fee of $3.00 per loan contract.
Loan terms are regulated by the State of Oregon who regularly audits our stores.
Guidelines and Policies: General Layaway Policy
We have a year around layaway program to put away merchandise for those special days like an anniversary, birthday, and holidays.
Layaways are good for up to six months depending upon the merchandise and require a 20% down payment. And a regular monthly payment.
If, at any time during the layaway period, you change your mind regarding a layaway purchase, you will not receive a cash refund and will be charged a 20% restocking fee. At the discretion of the store, you may be eligible for store credit.
If you do not complete a monthly payment or do not pay the layaway off within the layaway period, all funds are forfeited.