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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 collateral, not your credit rating or pay schedule. Oregon Cash Company offers 60 day loans with an optional 30 day grace period on new loans. If you cannot pay back your pawn loan in full, including any applicable grace period, we offer renewals to give you extra time.

We provide pawn loans on a variety of items, including gold and diamond jewelry, firearms, dirt bikes, ATV’s, electronics, and more. Simply bring us an item of value, along with a valid state issued photo ID and leave with your pockets full of cash!

What is a renewal?

If you are unable to pay back your pawn loan in full on its due date, you may get a renewal. With a renewal, you pay the interest that has accrued on your pawn loan in full, and a new pawn loan is written. The principal pawn loan amount remains the same, as does the interest rate, but the due date is reset for the full loan term of 60 days.

How do you determine an item’s worth?

We base pawn loan amounts on the used value of your item—its current appraised value, its current condition and our ability to sell the item. We use all the research tools we have at our disposal to determine an item’s value and get you the most money we can.

How do you determine the condition of an item?

The condition of an item is always taken into account during the appraisal process for a pawn loan. When it’s general merchandise you want to pawn, we test each item to ensure it is in good working condition. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories (such as remote controls) and manuals are included.

The better the condition of your item, the more money we can loan you. This is true for any collateral.

How do you determine the value of jewelry?

When jewelry is the collateral for a pawn loan, we test the precious metals and diamonds to determine its worth. The diamond testing includes a visual inspection using a jeweler’s loupe, weighing the item, sizing (determining carat weight) any stones, and noting the cut/color/clarity of each—you may know this as the 4 Cs.

How do you determine the price of gold?

The price of gold is based on current market values which fluctuate on a constant basis. Prices can vary greatly as the loan amount for 24K gold is significantly higher than that of 10K gold.

Can you give a quote on an item over the phone?

Unfortunately, we cannot give quotes over the phone because loan amounts vary greatly depending on the condition of an item. For general merchandise, we test each item to ensure it is in good working condition. The better the condition of your item, the more money we can loan.

Is my collateral safe while in pawn?

While your item is in pawn, you still own it. It is our responsibility to keep it safe and in good condition while it’s in our care. When you give us an item for 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. Oregon Cash Company is fully insured for the loan value of the collateral we keep.

Are pawnshops stocked with stolen merchandise?

Less than 1 percent of all pawned items are identified as stolen goods. Pawnshops are actually the worst place to try and get rid of stolen merchandise, despite what you see on television or in the movies. Pawnshops are highly regulated, work very closely with local and federal law enforcement officials, and train their staff to be on the lookout for and identify stolen property. Additionally, Oregon Cash Company utilizes an Internet-based crime-fighting tool called leadsonline.com, in which every transaction is shared with police departments nationwide on a daily basis.