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Best Pawn Store | Virginia Beach


Best Pawn Store | Hilltop Pawn Shop & Jewelry

The basic premise of the average pawn store is "buy sell loan." Pawn shops are known for buying unwanted items, selling pre-owned items, and making pawn loans. If you're looking for the best pawn store in Virginia Beach so you can take advantage of any or all of these services, come to the pawn shop with knowledgeable staff, good customer service, and the best deals: Hilltop Pawn. Many people know us as a jewelry store, and jewelry is definitely something that our pawnshop business puts a focus on. However, for anything and everything you'd want from a pawn shop -- and more -- you can visit our convenient location today.


What is the Best Pawn Store in Virginia Beach?

There are many things to love about a pawn shop. There aren't many other places where you can get a great deal on a guitar, sell some unwanted estate jewelry, and take out a loan, all at the same place and at the same time. Of course, just how great your experience will be depends on the specific pawn shop that you patronize. It only makes sense to look for the best pawn store in Virginia Beach if you're planning to visit a pawn shop soon.


Our goal here is to appeal to the widest possible audience. We want to be the go-to place for locals who are looking for pawn shop services, so we put in our best efforts to be the best pawn store in Virginia Beach. If you've ever visited us -- or even read much of our web content -- you've probably gotten an idea of our commitment to customer satisfaction. Let us prove it to you by choosing us as your go-to pawn broker anytime that you're interested in visiting one of the local pawn stores. We'll do everything we can to make sure your pawn transaction goes perfectly!


Hilltop Pawn: The Best Pawn Shop and Jewelry Store

You could be wondering what sets us apart from other pawn stores. For one thing, we have done what many stores haven't: we've put a big focus on high-end merchandise. In particular, we're passionate about jewelry. In fact, if you ask some of our most devoted customers, many will tell you that they've always considered us to be more of a jewelry store than anything. That's something we hear a lot, and for good reason.


We want to be a local pawn shop that sells designer jewelry, trendy jewelry, luxury watches, and all of the other high-end pieces that are in huge demand. You don't have to be rich to wear a nice watch or buy a nice ring. Instead, you just have to know where to shop. We offer an easy way to buy jewelry and other luxury items that would cost a whole lot more at a regular jewelry store. Rest assured, though, that we carry a variety of other merchandise, too. You never know what you’ll find when you shop here, at the best pawn store in Virginia Beach.


We also want to be a true part of the community, and we fully appreciate all of our customers. You're like family when you're here. We're fully committed to your satisfaction. You'll notice that specific elements of all of our pawn transactions are just different from our competition. We'll do everything we can to make you a satisfied, return customer.


We Pay Top Dollar for All Items of Value

As a premier pawn shop, we are both willing and able to pay top dollar for great products. We offer a great way to sell the items that you simply don't want anymore and that you would like to turn into cash.


All you have to do to get an offer is bring your unwanted items in. Depending on the item you bring in, we'll gather some meaningful data before we make you an offer. For example, if we're assessing diamond jewelry, we'll look at the quality of the diamond, the overall condition of the ring, and things like the designer of the ring. If you bring us a video game console, we'll need to plug it in and test it out to make sure it works. We'll start with a visual inspection and go from there.


Don't worry; our in-store experts are quite experienced at valuing everything from unwanted gold jewelry to laptop computers to musical instruments. No matter what you bring in, we'll offer you a fair price, based on the value of your item.


The process of selling your pre-owned items is actually a lot faster than it seems. Give us a few minutes to value your items, and before you know it, you'll be walking out with cash. Then, you can go celebrate the sale by having a few local beers at happy hour, or you can go treat yourself to something you've been wanting with the cash you've just put in your pocket!


Get an Easy Pawn Loan Today

You can use all different types of valuable and brand name merchandise to take out one of our pawn loans. We'll look at the value of your collateral (from game systems to watches) and grant you a collateral loan on the spot. Once you learn a little more about our quick cash pawnshop loans, there's a good chance you'll want to bring in your valuable items so you can take out a cash loan yourself.


What is a Collateral Loan at a Pawn Shop?

There are many different types of collateral loans. You can essentially call a mortgage or car loan a collateral loan, since both types of loans are backed by valuable collateral. The average bank or financial institution isn't usually known for offering other types of collateral loans, but that's exactly what we do here.


First, you could be wondering why a collateral loan is a good thing. After all, it might seem better to take out a loan without collateral if you can. That's an understandable viewpoint, but collateral loans really do have their benefits for both lender and borrower.


From a lender's standpoint, it's wise to reduce risk by securing each loan with collateral. This isn't just beneficial for the pawn shop that you're borrowing money from, though. As a borrower who might not have a great credit rating or employment history, securing your loan helps you take out a loan that you wouldn't ordinarily qualify for. You don't have to worry about us contacting any third parties to verify your credit history or income. There's absolutely no background process at all; we just assess your collateral, look at your ID, and make you a loan offer from there.


Why Are Pawn Loans Better Than Payday Loans?

You may be able to take out a payday loan without using an item of value as collateral. This doesn't mean it's a better option. In fact, in most cases, you're much better off with a typical pawn loan than a payday loan.


For one thing, you can often get a higher value loan with us. You choose your loan amount with your collateral when you borrow from us; with payday loans, you're typically made a loan offer based on your income. Also, you have to worry about being put in an even worse financial situation when you take out a payday loan. In every state in the United States, a pawn shop owner is regulated in regards to how much we can charge in interest rates. In fact, the pawn industry is much more heavily regulated than many think. The average pawn shop loan is much more affordable than a payday loan. If you want to avoid predatory lending, borrowing from us instead is a good choice. Plus, unlike many payday lenders, we won’t report to the credit bureaus if you default on your loan.


What Can I Use My Pawn Shop Loan For?

Our personal loans are a great choice for your financial needs. A short-term loan from us can help you get caught up on bills, can cover your expenses until you get paid, or can help you treat yourself to that new designer handbag that you've been wanting. We have a great privacy policy here; we won't ask what you're taking out the loan for. It really doesn't matter; we'll help you borrow the money today.


Buy Pre-Owned, High-End Merchandise for Less

If you're looking for a great place to shop for pre-owned merchandise, skip the garage sale and visit us instead. You don't have to worry about sorting through musty clothing and old, worn-out furniture. Instead, if you're looking for high-end items, you can visit us first. You'll likely find everything you're looking for and more, from modern Apple products to antique jewelry and so on. Also, if there's something that you want but don't see, let us know! We might have it in stock in our sister store!


Many people consider us a pawn master because we resemble a high-end jewelry store more than the average pawn shop does. If you're looking for nice jewelry at great prices, we definitely have the answer for you. So many couples from around Hampton Roads come to us to shop for engagement rings and wedding rings. If you're looking to buy a nice jewelry gift for someone you care about but are on a tight budget, we can help with that, too. In addition to our nice selection of rings, we also have necklaces, bracelets, and other beautiful jewelry for you to look at, and it's all available at fair prices.


However, you can buy much more than just jewelry here. If you're in the market for a few power tools to use for a DIY project or for work, check us out first. You can often buy the best fitting tools for the job for a lot less than what the hardware store is charging. If you're a musician who is looking for a new guitar or amplifier, we've got you covered there, too. You can also find various technologies and electronic products here, like a MacBook or Google Chrome Book, so you can keep up with the latest tech while paying the best prices.


Basically, we have a large variety of merchandise items of all kinds for you to look at. In many cases, you can save hundreds of dollars -- or even more, depending on what you're buying -- by shopping with us. No matter what your personal needs are, we likely have something in stock that you're interested in. Plus, due to the nature of our business -- and the fact that we're always looking to buy pre-owned items -- our inventory is ever-changing. Stop in tomorrow or next week to see what else we have in stock!


Visit the Best Pawn Store

You don't have to take our word for it. Once you visit us, we think you'll see why we're the best pawn store in Virginia Beach! We have convenient business hours and are open six days a week, and you shouldn't have a hard time finding our location here in Virginia Beach. If you live in the area, we're practically right next door! Whether you're looking to buy, sell, or take out a loan, we can help. In fact, we even offer other services that the average pawn store doesn't offer, like jewelry repair.


If you're actually in Chesapeake and are looking for the best pawn store near you, we have an answer for that, too. Greenbrier Pawn is actually our sister store, and it was established and opened in the Chesapeake area of Hampton Roads way back in 1996. Visit this iconic pawn shop if you're looking for a more convenient location for you, or check out both of our locations...then, you can enjoy our full selection of products, from jewelry to musical instruments and more.

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Jewelry Expert

How Pawn Loans Work

Here at Hilltop Pawn Shop, we understand that anyone can suffer from cash flow issues. If you’ve found yourself running a little short on cash, we are here to help.


Our pawn loans are SHORT-TERM LOANS THAT ARE REGULATED BY VIRGINIA STATE LAW. Basically, you will need to bring in an item of value -- or multiple items -- for us to hold as collateral.


Then, BASED OFF OF HOW MUCH THE ITEM IS WORTH, WE'LL GIVE YOU A LOAN OFFER. If you choose to accept, we can quickly and easily write up a loan contract and loan you the cash.


All you need is your state-issued ID to prove that you’re at least 18. WE DON'T CHECK YOUR CREDIT, and we accept a wide range of items as collateral for our pawn loans.

After you take out your loan, you’ll have a few different options. Your first option is to come back in and pay off your loan within the 30-day loan term. You’ll pay back the amount that you borrowed plus a small loan fee and interest charge that is regulated by Virginia state law. Then, you’ll get your item back immediately. If you aren’t able to pay off your loan in 30 days, it’s not a big deal. All you have to do is bring in the amount of your interest and fees. Once you pay this sum, we’ll renew your loan for another 30 days to give you more time to come up with the cash.


Lastly, if you are unable to pay back your loan for any reason, or if you decide that you just don’t want your item back, you don’t have to do anything. We will keep your item, and you won’t have to worry about paying back the loan. This will not have a negative impact on your credit, and you will not have to worry about us calling and hassling you about the money. You can also come back to us anytime that you want to take out another loan.

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