Huntington Super Pawn
17731 Beach Blvd.
Huntington Beach,
CA 92647
Telephone:
714.848.8402
Store Hours:
Monday-Saturday 10am-6pm
Closed Sunday

FAQs

What Is A Pawn Shop?
A place to buy, sell or get a quick loan on merchandise. Perhaps you have been wondering just exactly what is a pawn shop and how do they work?


How does a pawn shop work?
Just bring in the valuables you want to borrow against, or sell outright. We’ll look them over and let you know how much we can offer you based on a percentage of the item’s total value.


How are you different from other pawnshops?
Huntington Beach Pawn’s goal is world-class customer service in everything we do.
To this end, we have implemented unique programs to help consumers feel confident in their decision to get a loan from us or to shop in our stores. These programs include, but are not limited to, a 30-day satisfaction guarantee on everything we sell, an easy layaway program—just 10 percent down and small monthly payments; and a strict adherence to operate according to our industries’ best practices for all of our loan products.


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. Subject to Californial state laws, a typical pawn loan may have a term length of 120 days/one month, plus a 10 day grace priod. If you cannot pay back your loan in full, including any applicable grace period, we offer extensions/renewals (where permitted by state law) to give you extra time. You may also choose to surrender your collateral as payment in full.
Loans are available on a variety of items, including gold and diamond jewelry, electronics, musical instruments, tools, and more. Simply bring us an item of value, along with a valid photo ID and we’ll get you money in minutes after your loan is approved.


What is an extension?
An extension is the same as a renewal so if you are unable to pay back your loan in full on its due date, you may be able to get an extension on your loan. Extensions require you to pay the interest portion of the loan, then you may extend the length of your loan for another 120 days.


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


Will I lose my merchandise?
Most of our customers repay their pawn loans and pick up their merchandise. If a customer chooses not to repay the loan, the merchandise/collateral for the loan is forfeited. We will also purchase items of value if you do not want to get a pawn loan.


How do you determine an item’s worth?
Pawn loans are based on the value of your item—current appraised value, its current condition, and our ability to sell the item. We utilize the research to determine an item’s true value and get you the most money possible. The appraisal process varies depending on the type of item—jewelry is evaluated differently than a DVD player. We review thousands of items to ensure that our loan values are in line with the general pre-owned marketplace, including the item’s retail value when it was new.


How do you determine the condition of an item?
The condition of an item is always taken into account during the appraisal process. If one 32-inch television comes in that is in perfect condition and one 32-inch television comes in with a crack in the case, obviously, we will loan more on the TV in better condition. 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, 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. We test the metal using a special acid to determine the karat of gold. This ensures a clean test so there are no false readings on your item that may detract from what we can loan you.


How do you determine the price of gold?
The price of gold is based on market values, routinely reviewed and updated by our internal pricing department. Prices vary, as the loan amount for 24K gold is significantly higher than that of 14K gold.


Can you give a quote on an item over the phone?
Unfortunately, we cannot give quotes over the phone. 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. This includes, but is not limited to, a visual inspection, plugging an item in and turning it on, and noting if any necessary accessories and manuals are included. The better the condition of your item, the more money we can loan.


Why does the loan amount differ from the selling price at local retailers or even Huntington Beach Pawn?
Our loan values are based on pre-owned retail prices, not what the item cost when it was new. Any collateral that is turned over to us and made available for sale is pre-owned and will be priced accordingly on our sales floor. The loan amount we give you is based on our ability to sell the item. We offer you as much as we can while still allowing room to pay for the cost of storage, insurance and other costs of doing business.


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 loan in full and claim your merchandise. Huntington Beach Pawn is fully insured for the loan value of the collateral we keep.


Are pawnshops regulated?
Yes. The state of California has regulated the pawn industry for decades. Most pawnbrokers are licensed and regulated by local authorities. We are subject to such laws as Truth In Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Patriot Act, and Federal Trade Commission Rules on Data Privacy and Security Transfer, as well as Federal Firearms Licenses for shops that deal with firearms. At the federal level, we are regulated by the Federal Trade Commission (FTC), Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the Treasury Department.


Can I pawn a gun?
No. We are no longer a registered firearms dealer and do not accept firearms as collateral for pawn loans or sell firearms.


Are pawnshops stocked with stolen merchandise?
No. Despite what you see on television, or in the movies, pawnshops are actually the worst place to try to get rid of stolen merchandise, Pawnshops work very closely with local and federal law enforcement officials, and are constantly on the lookout for stolen property.


I need a loan. What do I need to bring with me?
Just bring a valid, US Government issued, picture ID, and the item you want to borrow against.


What kinds of items do you accept?
Gold, Diamonds, Fine Watches, TV’s, DVD Players, Stereos, Cameras, Musical Instruments, and more. As long as an item is in good condition, there’s a good chance we’ll considerate it for a loan.


How much can I get for my valuable?
That depends on the overall value and condition of the items you’re looking to borrow against or sell.


What are the terms of my loan?
120 days. If you need more time, just pay the interest owed, and we’ll gladly extend your loan another 120 days. No questioned asked.


How much will it cost to get my stuff back?
That is a simple matter of interest. The sooner you come back for your items the less you’ll pay. It’s broken down for you, in easy to understand terms and printed on your ticket. Just the interest accrued, and a small five dollar ticket fee.


Can I have my friend or family member pick up my stuff for me?
Yes, if they have written, signed permission, mentioning them by name in your note. They’ll also need a valid, US Government, picture ID and a copy of the ID you used when you got the loan. As a safety precaution, if the signatures on both your notes, and your signature on file don’t match, we will not release your valuable item. You will be required to come in person to get your items. We take the safety of your valuables very seriously.


Can I call you on the phone to get info about my loan?
Yes, and No. Because we take your confidentiality very seriously, we will only give you the date that the item is due, and the amount due.


What if I lose my ticket!
Don’t panic!!! As long as you have your valid, government issued picture ID you’ll be able to redeem your items, no problem. There is a non-refundable $10.00 lost ticket fee. This also applies if you come by to pick up your valuables without your claim ticket.


Do you send out reminder notices?
Yes. You will receive a notice via registered mail, at the end of 120 days. This marks the beginning of a 10-day grace period, in which you can redeem or renew your loan.


Is there a lay-a-way plan?
Yes. Just put down 20%, and the balance will be due at the end of 90 days.


Can I borrow against jewelry, or other items I purchased from you?
Yes. A loan for jewelry purchased from us, has a loan value of 50% of what you paid us for it. The loan value of other items purchased from us, like electronics, and tools etc, is based on age and condition. Please bring your receipt from the original purchase.