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  • Writer's pictureGlenda Craddock

5 Benefits of Pawn Loans from Hilltop Pawn Shop & Jewelry

​Pawn loans are highly beneficial for many people who need to borrow some quick cash. If you have been wondering about the best pawn shops to take out this type of personal loan, all you have to do is visit Hilltop Pawn Shop & Jewelry. Still undecided about whether or not you want to take out a loan from a pawn broker? Once you understand all of the benefits of a cash loan from Hilltop Pawn, you'll probably never look into payday loans or other loan options again. At our pawn store, we are here and ready to make you a great deal on a loan that will work for your financial needs!


1. Get Pawn Loans in Virginia Beach Regardless of Credit Score

Credit history is important when it comes to taking out loans. At least, that's the case with a lot of banks, credit unions, and other financial institutions. Even if you're hoping to borrow small loan amounts, you may find you'll get turned down for the average loan or credit card because of the credit check. We understand that good things happen to bad people, and that there are many reasons why your credit report could be affected. We don't care about credit history when you take out a pawnshop loan with us. Since you'll be taking out a collateral loan from us, your loan will be secured by your item of value. This means there's less risk for us, so we can loan to pretty much anyone based on the value of their valuable items, regardless of poor credit history. With a typical pawn loan, we never check or ask about credit score at all! These collateral-based loans are the perfect choice if your credit score has been holding you back.


2. Pawn Loans Make it Fast & Easy to Borrow Money

Maybe it isn't your credit score that you're worried about. Maybe you're worried about something like your employment history or income. Maybe you just need to borrow money fast, and you don't want to worry about a long application process or a long wait time to get approved. Sometimes you just need money in the fastest and easiest way possible, and that's something we can help you with. It usually only takes about 10 or 15 minutes for us to assess the value of the stuff you bring in and offer you pawn shop loan. After all, focusing on the needs of the customer is what we do, and we know you want things to go as quickly and easily as possible. Unlike with bank loans, we'll get you in and out in no time.


Yellow gold amethyst and diamond ring

3. Use Your Jewelry & Items of Value for Pawn Loans in Virginia Beach

With a pawn transaction, you borrow against the value of the items of value that you bring in. You can bring in many different high-value items to take out a loan from us. Enjoy an easy loan contract by borrowing on power tools, musical instruments, diamond jewelry, gold jewelry, and other items of value. Unsure about what we take? Give us a call or stop by!


4. Borrow from a Trusted Local Lender With Pawn Loans

There are so many scams and shady companies out there that you have to watch out for. We get it! You've probably decided it's a good idea to borrow money to improve your financial situation...the last thing you want is to be taken advantage of and to find yourself in a worse situation. Avoid predatory lenders and outright scams by dealing with a trusted local lender. We have been in the Hampton Roads area for a long time, and we have many satisfied customers. We'd love to make you one of them! Plus, by dealing with a local lender, you'll often get your money faster, so that's just one more reason to come see us.


5. Never Worry About Credit Impacts from Virginia Beach Pawn Loans

Some people worry about their credit report being impacted by loans. If you're in the process of applying for a mortgage, for example, you could be worried that if you borrow a little cash today, it will affect your debt-to-income ratio or something else related to the approval process. If you're in the process of rebuilding your credit and are worried that you will not be able to repay your loan by the due date, you might be worried that the lender will report to the credit bureaus.


You don't have to worry about any of these things when you borrow from Hilltop Pawn. Our loans never cause a negative impact on your credit score, period!


Need to borrow some extra cash fast? Worried about your credit score getting in the way of you taking out the short-term loan that you need? You never have to worry when you skip the typical financial institution and visit our local store instead. Our financial products are perfect for people with bad credit, or anyone who is looking for a fast and easy loan.



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