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  1. Describe your item(s) of value
  2. Give us your basic infomation
  3. Expect a call from us within 24 hours

Store Hours

Week Days:
Saturday:
Sunday: CLOSED

Location

255 Cumberland Trace Road Bowling Green, KY 42103

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Contact Information

Pawn Terms and Conditions

Mission

The Pawn Company is a mixture between a High-End retail establishment, and a pawn/loan establishment, where everything is offered at below standard retail prices, and top-dollar is offered for the items we buy or pawn, under our “Max Cash Guarantee”. That translates to more money in your pocket. Our Mission

  • New and used merchandise
  • Receive top dollar for your items of value
  • Buy, sell and trade
  • Knowledgeable, reliable and honest
  • Price match guarantee
  • Local to the Bowling Green area
  • State-of-the-art facility
  • All the employees were extremely helpful.

    ALEX D.

    We went in twice today and the second time we went in 30 minutes before they closed and the owner took his time to help us with any questions and concerns with the item we were selling.

    I would recommend everybody to go visit them!!

  • AMAZING!! Nothing but good things to say!

    YVONNE W.

    Fast, professional, helpful, and friendly environment. 2 weeks ago was my first time visiting there. All 3 of the employees I came in contact with that day made me feel like I've known them for years, even though it was the first time I had ever met them.

  • Hands down nicest pawn shop I've ever done business with.

    GRACE W.

    We were so impressed with the store, employees, and customer service. Not to mention their extremely convenient business hours. We will be recommending the Pawn Company to everyone and will be going back to them from now on.

Buy or Trade

Everything is offered at below standard retail prices.

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We guarantee we’ll have the lowest advertised price in the nation on our new items. If not, we’ll match it!

Sell

Unleash the cash in the items of your value.

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We will give you the most cash for the items you sell! That’s our guarantee!

Pawn

Top-dollar is offered for the items that are pawned, under our “Max Cash Guarantee”.

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That translates to more money in your pocket for your items of value!

Tools

Tool (1) We have all of the tools and appliances you need to get the job done.

Music

music (1) Huge selection musical instruments as well the gear to go with it.

Jewelry

jewelry (1) We have the largest selection of jewelry in the SOKY area!

Electronics

Electronics (1) Televisions, car and home audio, cell phones, tables and much more.

Outdoors

 Hunting, fishing, self-defense and more

Vehicle Sales

vehicle salesBoats, ATV’s, Motorcycles, Dirt Bikes & More

Why The Pawn Company?

The Pawn Company was created as a trusted source for fast, easy collateral loans that meet the individual needs of our community. We lend money on items of value ranging from small rings to vehicles of all kinds and everything in between. We require no pre-requisites such as a good credit score or job. Unlike banks, there is no credit check either. All we need is to your item of value to determine the size of loan, and in most cases you’ll get your money on the spot!

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Our Rates:

  1. Minimum and maximum payback period
    • Our pawn loans are written on items of merchandise for 30 days with two grace periods of 30 days each. If the loan is not paid within 30 days, the interest on the loan must be paid to enter the first 30 day grace period. If the interest is not met then the item of merchandise becomes the property of The Company to recuperate the amount initially loaned. To enter the second grace period the interest must be paid on the initial loan and the interest of the first grace period. If the total interest is not paid at the end of the grace period then the item of merchandise becomes the property of The Pawn Company to recuperate the amount initially loaned. If the pawn loan and the total interest of the loan, the first grace period and second grace period are not paid in full by the end of the second grace period then the item of merchandise becomes the property of The Pawn Company to recuperate the amount initially loaned.
  2. Including Interest and Fees
    • Initial Loan – Each loan is subject to a maximum of 2% interest per Kentucky state law, and a service charge that covers the storage/insurance/maintenance of 20% for the 30 day loan period which brings the total interest to 22%. To enter the first grace period the interest on the loan must be paid or the item of merchandise becomes the property of The Pawn Company to recuperate the amount initially loaned.
    • Initial Loan plus First Grace Period – If the pawn loan enters the first grace period then the loan is subject to the interest of the loan (22%) plus an additional 22% on the initial loan amount for the first grace period. To enter the second grace period the interest on the loan and the first grace period must be paid or the item of merchandise becomes the property of The Pawn Company to recuperate the amount initially loaned.
    • Initial Loan plus First Grace Period and Second Grace Period – If the pawn loan enters the second grace period then the loan is subject to the interest on the loan (22%) plus an additional 22% on the initial loan amount for the first grace period plus an additional 22% on the initial loan amount for the second grace period. The Pawn Company must receive payment in full on the original loan amount and the interest of the original loan, the first grace period and the second grace period or the item of merchandise becomes the property of The Pawn Company to recuperate the amount initially loaned.
  3. Representative example of loan costs.
    • A customer brings an item in to pawn and receives a loan for $100.00.  If the customer returns within 30 days to pay or redeem the property the interest is 2% and the service charges are 20% of the loaned principal bringing the total finance charges to $22. The customer can either pay the principal and charges at $122 to take the item home, or pay the $22 in charges to roll their loan over to the first grace period of 30 additional days. If no payment is made then the customer surrenders their item and the item becomes the property of The Pawn Company to recuperate the amount initially loaned.
    • The first grace period incurs a 22% charge on the initial amount and and another 22% charge for the first grace period on the initial amount. If the customer pays within this 30 day grace period window they will owe $144 or pay the $44 in charges to roll their loan over to the second grace period of 30 additional days. If no payment is made then the customer surrenders their item and the item becomes the property of The Pawn Company to recuperate the amount initially loaned.
    • The customer must pay the original loan amount ($100) plus the interest of the initial loan (22%), the first grace period (22% on the original amount) and the second grace period (22% on the original amount) during the second grace period of 30 days which totals $166. If no payment is made then the customer surrenders their item and the item becomes the property of The Pawn Company to recuperate the amount initially loaned.