Frequently Asked Questions

Can I Sell My Item To You Instead Of Pledging It For A Loan?2017-05-01T18:53:28-04:00

Yes. We will purchase most items outright if that is what you desire to do.

If I Pledge An Item, Am I Guaranteed To Get It Back When I Repay My Loan?2017-06-14T08:53:07-04:00

As long as you stay current on your interest payment your item will be safe, secure, and insured.

I Would Like To Receive A Collateral Loan On An Old Watch That I Inherited, But I Don’t Know Its Value. Can You Help?2017-05-01T18:59:37-04:00

Yes. Our educated staff specializes in valuing a wide variety of merchandise.

I Already Have A Collateral Loan With You. Am I Allowed To Receive Another?2017-01-17T20:11:10-04:00

You are welcome to have as many collateral loans with us as is necessary for your situation. You are also welcome to borrow money here if you have chosen not to repay previous collateral loans with us.

What Does It Cost To Borrow Money At The Watch & Jewelry Exchange?2017-01-17T20:10:50-04:00

Please contact us for exact borrowing cost. No matter what the amount we can be exact in the monthly fees and provide a complete breakdown.

What Happens If I Lose My Pawn Ticket?2017-01-17T20:10:31-04:00

You can come to collect your loan with your government issued picture identification, but you should stop in with your ID as soon as you discover that your ticket is missing. This will prevent the ticket from being honored if someone else recovers it and brings it in without your consent. A $5.00 fee applies to all lost pawn tickets.

Can I Allow Someone Else To Come In To Collect My Collateral Loan?2017-01-17T20:10:10-04:00

Yes, anyone can pick up your loan with the original pawn ticket and payment. A pawn ticket is considered a “bearer item” in the Commonwealth of Virginia.

What Type Of Items Do You Accept For Collateral Loans?2017-05-11T14:22:02-04:00

The most common items accepted are Fine Jewelry, Watches, Art, Designer Handbags and Collectibles. You can view a complete list right HERE.

Is The Information About My Transaction Secure And Confidential?2017-01-17T20:09:31-04:00

Yes. State and federal laws regulate the privacy of your transactions with us. Additionally, we have procedures in place to safeguard your information. We are, however, required to report all of our loan transactions to law enforcement, which we do electronically, to protect against property crimes and unauthorized pawns.

What Happens If I Am Unable To Repay My Loan?2017-01-17T20:09:09-04:00

If you would still like to receive your pledged item from us, you can extend the time of your loan by simply paying the monthly charges due. If you do not intend to repay your loan, we will put your item out for sale after a one month period. You will then owe us nothing.

How Long Will I Have To Repay My Loan?2017-05-01T19:05:18-04:00

You can keep your loan as long as you like, as long as the interest payment is correct.

If I Come In To Your Store For A Loan, How Long Will The Process Take…2017-05-01T19:09:23-04:00

It will largely depend on the number of items you bring in for evaluation

What Are Your Hours?2018-04-03T08:03:48-04:00

The selling showroom is open 11 – 6 Tuesday – Friday, 10 – 4 on Saturday, and closed on Sunday and Monday. We do ask however if you would like your items evaluated that you try to arrive at the store at least one hour prior to store closing depending on the number of items that you have.

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