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What Pawn Shops Take
for Pawn Loans

Here is a listing of the things we are happy to extend cash loans on. Remember, Hilltop Pawn Shop & Jewelry does not pull or use your credit for loans. We do not report to any credit agency. You collateral is all you need to get a high dollar loan.

What Will Pawn Shops Take for Loans

            Hilltop Pawn Shop & Jewelry is waiting to make you a loan on your valuable goods. We take a variety of items but you can basically say, We Take Anything of Value. Remember a Pawn Loan is a no Credit Check loan. Your valuable goods are your credit, unlike a traditional loan. These are the safest cash loans you can have because we in no way can ever affect your credit. 

             An instant cash loan with us or your local pawn shop is very simple sometimes in and out in about five minutes. Check our Q and A page to see How Pawn Shops Work. Quick cash Collateral Loans is what we do. 

            Here is a partial list of What we Take for a loan or to Sell.


Loans on Gold Jewelry

            We make Pawn Loans on all gold jewelry. It make no difference what style or condition it’s in. Like our commercials say Old or Broken it’s still worth money and a lot of it in some cases. Gold Jewelry is the most common item used to get a loan becaseu it’s easy to carry in and out and it can warrant a large loan amount if that’s what you need. Your credit score has nothing to do with your loan amount, everything here is based on your collateral. 


Loans on Diamond Engagement Rings

            High quality or large engagement rings are typically the largest loans. We are happy to accept your diamond wedding ring as collateral on a loan. We make these loans every day here at Hilltop Pawn Shop & Jewelry. We are very accustomed to evaluating your piece and making you an offer. We are happy to explain how we arrive at the number and to listen to any other info you may have to share that might aid us in helping you with a loan. See what goes into the process and how it all works here in Virginia Beach.


Loans on Rolex Watches

            Of the items we lend the most money on, Rolex Watches are in the top couple. Rolex has built not only a quality watch but a first class reputation. As a result of that reputation they are the most sought after watch in the secondary market. Now understand, there are many brands much more expensive and also sought after but Rolex among the vast majority of people is still the brand they want. We lend top dollar on Rolex and other brand names. The easy way to find out how much you can barrow is to simply stop by with your watch any time. You don’t need an appointment. Here is a list of models we see or will certainly accept.

  • Rolex Submariner

  • Rolex GMT Master II

  • Rolex Cosmograph Daytona 

  • Rolex Sea-Dweller 

  • Rolex Explorer

  • Rolex Explorer II

  • Rolex Milgauss

  • Rolex Air-King

  • Rolex Yacht-Master

  • Rolex Yachtmaster II

  • Rolex Oyster Perpetual

  • Rolex Datejust

  • Rolex Day-Date 

  • Rolex Sky-Dweller

  • Rolex Cellini

Loans on Designer Jewelry

            Our stores have long been the place to go for big ticket loans in Hampton Roads and Hilltop Pawn is certainly in a high-end area of the city. As a result we see some truly unique and amazing pieces of designer jewelry. Rest assured we are accustomed to making offers that include brand name adjustments. Your valuable items will be treated as such and you will find out why so many people use and trust us to show them the best options when taking a loan out. Turn those unwanted items in a cash loan today.


Here is a partial list of designer brands we see here.

  • Tiffany & Co.

  • Rolex

  • Cartier

  • Pandora

  • Roberto Coin

  • Harry Winston

  • Marco Bicego

  • Chopard

  • David Yurman

  • Van Cleef & Arpels

  • Graff


  • Piaget

  • Jaeger Lacoultre

  • Mastoloni Pearls

  • Vhernier

  • John Reinhold

  • Belperron

  • Chanel

  • Dior

  • Mejuri

  • Hermes

  • Coach

  • John Hardy

  • Kate Spade

  • Kenneth Cole

  • Louis Vuitton

  • Marc Jacobs

Loans on Ruby Emerald Sapphire Jewelry

            We often find the people who bring in a colored gemstone ring or piece of jewelry don’t know how much they can be worth. The simple truth is a very high quality Ruby, Emerald, Sapphire, or Tanzanite gemstone can be worth as much as a diamond. In fact some stones like Alexandrite or Paraiba Tourmaline can be more expensive per carat than diamond. Here at Hilltop Pawn Shop & Jewelry we are happy to extend Pawn Loans on any Gemstone Jewelry. Here s a partial list on the gemstones we accept on loan or to buy outright.


  • Ruby

  • Emerald

  • Blue Sapphire

  • Pink Sapphire 

  • Yellow Sapphire

  • Tanzanite

  • Alexandrite

  • Paraiba Tourmaline

  • Tourmaline

  • Amethyst 

  • Citrine

  • Tsavorite Garnet

  • Aquamarine

  • Blue Topaz

  • Bule Zircon

  • Iolite

  • Lapis

  • Morganite

  • Garnet


Loans on High Quality Watches

            Pawn loans on high quality watches and time pieces is one of the things pawn shops and in particular Hilltop Pawn Shop & Jewelry is known for. We don’t just make loans, we make more loans than other pawn shops because we loan more money. It’s a simple formula to understand. We lend more money because we do so much business we don’t need to score homeruns. In reality we are interested in lending cash and then we want you to redeem your item. Then if you need the loan again we believe you will come back to us. We are in the business of lending cash, not taking peoples goods. If you want your items back communication is the key. We want to work with everyone. Here are just a few of the Quality Watch manufacturers and brands we accept.



Loans on Sterling Silver

            We make pawn loans almost daily on sterling silver Flatware and house wares. It has become the norm for the younger generation to pass on these items. Most people really aren’t interested in polishing silver flatware or silver table settings. I find I am in the same boat and don’t want to do it or more often than not I simply run out of time to polish silver before using it. So like many I simply don’t use it. Here at Hilltop Pawn Shop & Jewelry we offer loans on silver or we will happily buy it out right from you. Stop in today with what you have and we will make you a great deal, an offer you can’t refuse.


Loans on Silver Jewelry

            Just like Gold or Diamond Jewelry we offer a pawn transaction or pawn loan on any Silver jewelry. No matter what your financial situation we can make you a loan on your unwanted items based of course on your item’s value. Silver works the same as gold. You have the weight of the silver if it’s damaged beyond repair. Of course some designer jewelry like Tiffany or David Yurman or Pandora can be worth large amounts. I invite you to spot in today and see what your silver jewelry is worth on a loan. 


Loans on Silver and Gold Coins

            When it comes to silver and gold coins there are many factors involved in determining value. Pawnshop Loans are based on the value of the item to the pawn broker. What this means is the pawn store must figure out how much they can sell something for and base the offer on that amount. This way if you don’t come back for the loan they can recoup their money they loaned and make a profit, the same as if you had come back and redeemed your coins. This is no different than a bank loan or other financial institutions. They all make a profit on doing business. When it comes to getting a short-term loan on silver or gold coins the value is based on salability. Some coins are based on the amount of the precious metal in the coin and other are based on a premium of that amount. A few are based on that plus the fact that they are rare or in mint condition. Stop in anytime with your coins to check the value of your collateral. 



Loans on Precious Metals

            Unlike payday loans or credit cards we use collateral to value your loan and as a result we do not use your credit nor do we or can we affect your credit. Your local pawn shop owner is the only true no credit check and no credit reporting lender. Loans on Precious metals often bring higher value because most gold or silver coins have a value or at least a base line for that value. We have people who bring one coin in for a small loan all the way up to some of the largest loans we make for people with many coins. State law governs how much we can charge so you will find the interest charges to be the same place to place. The difference is who will loan more than the typical pawn loan. That’s where Hilltop Pawn is different. Stop in today.

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Loans on Firearms

            Thinking about what item of value you might have to get a loan against? We make loans on firearms of every description. Firearm loans are a common thing for us. To get a loan on a gun the process is the exact same as any other brand name merchandise. You can see the whole process on our How it Works page. The difference is when you redeem your firearm you must fill out the FFL paperwork as if you were buying it the first time. Feel free to stop in with your gun anytime to get a quote. Obviously good condition helps the value of your item, however we take guns in any condition, mint to well used.


Loans on Vintage, Estate and Antique Jewelry

            We make loans on all antique, vintage and estate jewelry regardless of condition. Not all pawn stores recognize an item of value the same way we do. Often times these older pieces of jewelry are worth more than their modern counterparts. We like to think history matters when it comes to something unique like vintage jewelry. 



Vintage Guitars and Musical Instruments 

            Quality musical instruments are one of the best items of value partly because they retain so much of their value. In many cases older high quality instruments go up in value. This is not only true when we speak of Vintage Guitars but nearly every other instrument as well. From entry level quality brass woodwind and stringed instruments to professional level pieces we are happy to take them on loan.


Why Work with Us?


Glenda Craddock of Hilltop Pawn

Work with us and you're working with family. Our Son Dane runs Hilltop Pawn and our Daughter Nina runs all three stores out of Greenbrier Pawn. We do well When you do well.

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