Are my items safe while in pawn?
Yes. You still own your items while they are in pawn. Jewelry is all kept in safes and not touched until you come to redeem it. Electronics, tools, etc are all kept in our storage room where it is also not touched until you come to redeem it. We are fully insured and our large customer base can tell you why they trust us.
Can I get my merchandise back?
If you pawn your item you have 30 days to pay the loan amount plus interest to retrieve your item or just the interest to extend the loan for an additional 30 days. If you do not come within 30 days your item may go out for sale. The majority of our customers redeem or pay to extend their items.
Can I sell my merchandise?
Yes, you have the option of simply selling your merchandise if you do not plan on getting it back.
Can I pawn items I bought from you?
Jewelry that is purcahased at Top Dollar Pawn may be pawned or sold back to us for half the purchase price. Electronics and other items are on a case by case base. Be sure to keep your receipt.
Can I upgrade my jewelry to something bigger?
If you purchased the jewelry from us you may, at any time, upgrade to a more expensive piece if it is worth 40% more then your original item. Be sure to keep your jewelry in the condition of puchase and keep your receipt.
Do you clean and fix Jewelry?
Yes! When you purchase your jewelry from us we make sure it is in the best condition it can possibly be in before you walk out our door. You may also request a cleaning by our professional Jeweler at any time in the future for $2 a piece. We also do everything from ring sizing, necklace soldiering, diamond replacement, watch batteries, etc… Come in and ask one of our Jewelry Sales Associates for help.
Do you guarantee your jewelry will appraise for twice its purchase price?
We sure do!! Within 60 days if you get an accredited appraisal that is not twice what you paid we will give you a full refund and most likely a big discount on your next purchase. We pride ourselves on making our customers happy.
Do you have a layaway plan?
Of course we do!! It is as simple as putting down a 20% non refundable deposit then paying 20% monthly. If at any time durring your layaway you find another item in the store that you like more you are always welcome to swap. (shhhhh, don`t tell anyone but we will often accept less down and a smaller payment plan if requested.)
Do you take stolen merchandise?
We do our best not to take stolen merchandise. It is our policy to turn away anything that we believe has been stolen. We work very closely with the Prince Georges County Police Department so that on the seldom occasion someone brings in stolen merchandise the original owner can easily have access to it and the thief is prosecuted. Less then of 1 percent of merchandise is identified as stolen. All pawn transactions are filed electronically with the police department.
How can I trust you?
We are a mom and pop business that has been serving the community for over 20 years. Our repeat customers can tell you best. We are also a proud member of the National Pawnbrokers Association and operate our business first class.
How do you determine the value of the loan?
We examine each item to determine its condition and resale value. You may use our Jewelry Calculator if you are brining in gold.
What forms of identification are required to bring in order to do a pawn?
You must bring 2 forms of identification. The first must be a drivers or non-drivers government issued ID. The second should be either a social security card, credit card, military ID, or other form of ID with your name on it. (Social Security card is preferred.)
What is a pawn?
A pawn is a short term loan in exchange for something of value. (ie: jewelry, electronics, tools, etc…) The loan can be for $5, $20, $50, $100 or more. The loan amount plus interest must be paid within 30 days or you may pay just the interest to extend the loan for an additional 30 days. You may extend the loan as many times as you would like. The average loan is for $60. The item being pawned must be yours and you must bring two forms of identification. (ie: drivers license, social security card)
What is your return policy?
Jewelry has a 30 day money back guarantee. Electronics and other items we do not offer any warrantees for but at purchase you may ask for an exception on some items.
What items do you accept?
Gold, diamonds and any jewelry or scrap gold will usually get you the best loan. We also take many forms of electronics, tools. If it has resale value we will consider taking it.
What items will you not accept?
We do not take TVs older then 5 years. We do not take firearms. We do not take computers more then 4 years old. All items are considered but we cannot guarantee without seeing the item first. You must be the owner of the item in order to pawn or sell it.
Why not just use Cash for Gold?
Compare what Cash for Gold will offer you with our jewelry calculator and we guarantee that we will give you more money. More then twice as much in most cases!!
Will you notify me if I miss my payment date?
When making a pawn or placing an item in layaway you may request to be notified via a complimentary text message to your phone two days prior to your due dates.