Frequently Asked Questions

When an item is pawned, you are putting the item up as collateral to borrow cash. You still own this item and will be able to reclaim it as long as you repay the loan plus any interest owed by the end of the loan cycle. When an item is sold, you are transferring ownership of the item in exchange for an agreed upon amount of money.

What brands and items does Jum-Pawn-It accept?

Visit JumPawnIt.com/Pawn for a list of items and brands we typically accept.

Can I get into debt by pawning my valuables?

Unlike credit cards, you will never overextend your credit line by pawning. However, if you are unable to repay your loan within the agreed-upon timeframe, you risk losing ownership of your item(s).

Does pawning impact my credit score?

Pawnbrokers do not do a credit check or submit any information to creditors, so pawning has absolutely no impact on your credit score.

Is it possible to go bankrupt by pawning my valuables?

Pawning valuables has no impact on bankruptcy.

What do I need to borrow money / pawn valuables at Jum-Pawn-It?

All you need is a valid ID or Driver’s License to pawn valuables at Jum-Pawn-It. No bank account, credit history, or proof of employment is required.

How much cash can I get by pawning valuables?

There’s really no limit to how much you can get by pawning your valuables. The amount you can borrow depends on the value of the item(s) you bring in. We have provided cash loans upwards of $50,000+ at our locations.

How does the pawning process work?

Pawning is simple! Bring any item(s) of value to a pawnbroker like Jum-Pawn-It. Expert pawnbrokers will examine and evaluate the item(s). We will then offer a loan amount based on the current market value of the item(s). Upon agreeing to the terms, you’ll receive the loan amount in cash and a loan ticket with all the details. Repay the amount borrowed plus any interest by the end of the loan cycle to get your item(s) back.

Is there a “grace period” for pawn loans?

Our loan cycles are 4 months and we allow a 10-day grace period; so you have a total of 4 months and 10-days to pay back a pawn loan.

What are the loan terms?

There is no minimum loan period. The maximum loan period is four (4) months, with an additional 10-day grace period. The Annual Percentage Rate (APR) will vary based on the loan amount. Loan writing fee applies. A storage fee and lost ticket fee may apply.

If I pawn multiple items, will they all be on the same ticket?

Each item you pawn will be on its own loan ticket.

How many tickets can I have at once?

There is no limit to the amount of loan tickets you can have at once.

What happens if I can’t find my loan ticket?

A $5 lost ticket fee will apply per lost ticket.

What payment methods are accepted for pawn loans?

If you’re looking to repay the loan and pick up any item(s) pawned, cash is the only payment method accepted. If you’re looking to pay the interest on a loan or extend the loan, cash or debit cards are accepted.

Can a friend, family member, or spouse pick up the valuables I pawned?

Only the person who pawned the item(s) can pick the item(s) up with the original loan ticket provided at the time of the pawn. At the pawnbroker’s discretion, under special circumstances, a spouse, surviving family member, or authorized agent may be able to pick up the item(s) with appropriate documentation.

What happens if I don’t pay the loan back?

There is no “penalty” for failing to repay a pawn loan. However, if you don’t pay the loan back within the agreed-upon timeframe, ownership of the item(s) provided for collateral will be forfeited to the pawnshop. The pawn shop may sell the item(s) to recover the money borrowed as well as any interest owed. If you need a little more time to pay back the loan, you can always pay the interest and extend the loan.

What happens if/when my loan expires?

If your loan expires and you have not repaid the amount borrowed or communicated with your pawnbroker, you will forfeit ownership of the item(s) pawned. The item(s) may be sold to recover the money borrowed and any interest owed.

Do you send any reminder notices?

Yes, we send reminder notices. A fee may apply for reminder notices.

How much does it cost to pawn my valuables? What fees are there?

You will need to pay interest on the money borrowed and any applicable fees, including a loan writing fee, storage fee, lost ticket fee, late fee, etc.

How many items can I pawn or sell?

There is no limit to the number of items you can pawn or sell.

Is there a limit to how often I can pawn valuables?

No, there is no limit to how often you can pawn your valuables. Bring them in for an appraisal whenever you’d like!

SHOPPING WITH US

Are the products you sell genuine/authentic?

All of our products are carefully inspected for authenticity by experts before being offered for sale.

Are the products you sell new or used?

All of the items we sell are in new to good condition. We may occasionally offer “final sale” items “for parts;” however, those items will be clearly labeled as such.

Do you offer layaway?

Yes! Layaway is available for just 5% down, 5% per month for most merchandise. F*rearms are 10% down, 5% per month.

Do you offer financing?

Yes! Jum-Pawn-It Jewelry and Loan has fast and flexible financing options for everything we sell, including f*rearms, jewelry, watches, luxury bags, electronics, collectibles, and more. Visit jumpawnit.com/financing for more info on how to buy now and pay later.

I bought something from Jum-Pawn-It and want to upgrade it to something nicer. Do you offer trade ins/trade ups?

Yes! We will honor the original purchase price for any fine jewelry upgrades assuming there is no substantial change in the condition of the item.

How much does it cost to sell my valuables?

Unlike many online marketplaces, there are NO FEES associated with selling valuables to Jum-Pawn-It Jewelry and Loan. If you have valuables for sale, we appraise the item free of charge and make you a cash offer.

**LEGALLY BUYING AND SELLING F*REARMS**

**How old do you have to be to legally buy a g*n in California?**

Pursuant to Penal Code section 27510, in California, you must be at least 21 years old to purchase a handg*n and at least 18 years old to purchase a rifle or shotg*n.

**How much does it cost to purchase a f*rearm in California?**

In addition to the cost of the f*rearm, the total California state fee is $37.19. The DROS fee is $31.19 (for background check and transfer registry). There is also a $1 F*rearms Safety Act Fee, and a $5 Safety and Enforcement Fee. Private Party Transfers are an additional $10 per f*rearm. Other fees may apply.

**How to start a DROS and purchase a f*rearm?**

To purchase a f*rearm, you will need to complete a Dealer Record of Sale (DROS). To complete the DROS application, you will need:

Valid State-Issued (California or Arizona) ID or Driver’s License
Birth Certificate or Valid Passport
FSC Card
Proof of Residency* (State Registered):
- Gas/Water/Electric Bill issued within last 90 days
- Current and valid, notarized, residential lease with your name and residence address on it
- Property deed
- Other government ID
Second Proof of Identity:
- Carry Concealed Weapon (CCW) Permit
- Car Registration
- Notarized copy of Rental Agreement/Contract
- Fishing/Hunting License

Unacceptable documents: “bank statement,” “you didn’t tell me I needed to bring that,” “insurance bill,” “the other FFL let me use this,” “any utility bill,” etc.

*Proof of Residency must have your name and current address.

*There are other options for Proof of Residency if none of the above applies to you. Speak with our staff to verify what alternative documents are acceptable.

**How to buy a g*n in California?**

Decide what handg*n, r*fle, shotg*n, or other f*rearm you want to purchase.

Once you’ve decided, visit your local Jum-Pawn-It location and apply to purchase the f*rearm.
If approved, you will pay state and dealer fees.
There will be a ten (10) day waiting period before you can pick the f*rearm up. During this time your DROS information is being sent to the CA DMV, CA DOJ, and then on to the FBI NICS.
Please note that the dealer is legally required to cancel the sale if you do not show up within 30 days of submitting the DROS.
Once you pass the background check, you may return to the location you filed the DROS at to finalize some paperwork and purchase the f*rearm.

You will need to perform a safe-handling demonstration and have a California-approved locking device (or safe) before taking the f*rearm home.

**Does Jum-Pawn-It offer the F*rearms Safety Certificate (FSC) test? How much does it cost?**

Yes! The FSC test is $25.

How long is the waiting period in California?

The waiting period for the purchase or transfer of a f*rearm is ten (10) 24-hour periods from the date and time the DROS information is submitted to the DOJ.

**Are high-capcity magaznes legal in California?**

In accordance with state law, we do not offer magaz*nes with a capacity higher than 10 rounds in California. Law Enforcement Officers are exempt from this and are able to purchase high-capacity magaz*nes if available.

**How do I know if the g*n I want is on the California compliant roster?**

Checkout the California Handg*n Roster on the DOJ website.

**Why can’t I get my g*n the same day that I do paperwork?**

In California, f*rearms are required to go through the Dealer Record of Sale (DROS) system that has a 10-day waiting period (sometimes longer) while they run a background check and determine f*rearm eligibility.

What do I need to purchase ammo?

All ammo purchases in California require the customer to pass an Ammo Background Check before they can take their ammo home. We only charge $1 for this same-day background check (you won’t have to wait 10 days like a f*rearm DROS). The buyer must have a registered f*rearm in their name.

**What if I don’t pick up my g*n within 30 days?**

If you do not pick up your f*rearm within 30 days of submission of the DROS information, we are legally required to cancel the sale. If you still want to take possession of the f*rearm, you must repeat the entire DROS process, including payment of DROS fees and a new 10-day waiting period.

(Pen. Code, § 26835; 27 C.F.R. § 478.124, subd. (c).)

**How long will Jum-Pawn-It hold my f*rearm for?**

We will hold all f*rearm transfers and purchases for up to 6 months. If a f*rearm has not been picked up within 6 months, we will consider it “abandoned” and process it accordingly.

**How many f*rearms can I purchase in California?**

In California, you are limited to purchasing one (1) f*rearm within a 30-day period. If you have a collector’s license, there is no limit for the amount of long g*ns or antique g*ns.

Frequently Asked Questions

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