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What's the Most a Pawn Shop Will Loan? | Hilltop Pawn

You might know that pawn shops offer fast and easy loans when you need quick cash. A lot of people choose pawnshop loans because they have a low credit score and are looking for a fast way to borrow money. You may have never really considered visiting a pawn shop for a large loan, though. Many people think that a pawn shop loan is a good way to borrow smaller amounts of money. After all, the average amount of a pawn shop loan is about $150. However, if you need a higher value loan, you could be wondering: "What's the most a pawn shop will loan?" This depends on the store you choose and the value of the items you bring in as collateral. At Hilltop Pawn Shop in Virginia Beach, we make loans from $5 to $50,000! Of course, the amount you borrow depends on the value of your collateral, so bring in brand name merchandise and high-end items if you want to borrow more! Also, visit the pawn shop that makes big loans...Hilltop Pawn!


What is the Maximum Amount of Money I Can Borrow From a Pawn Shop?

Many people don't realize that these financial products can be useful when you need to take out a bigger loan. All you have to do is bring in higher-value items to qualify for a bigger loan. Just how much you can borrow depends on you, since you're the one who chooses which items to bring in as collateral. It also depends on the pawn shop you patronize. At Hilltop Pawn Shop & Jewelry, we grant loans of up to $50,000. As a high end shop here in Virginia Beach, we can grant you a bigger collateral loan than what you might normally expect from a pawn shop. This is just one reason why we're one of the most popular places to take out pawn loans, and it may just be the main reason you want to come see us for your instant cash loan.


What is the Minimum Loan Amount at a Pawn Shop?

If you're looking for a hassle-free way to borrow a few bucks when you need it, a pawn shop loan can help. If you're looking for a small personal loan, Hilltop Pawn Shop is the local store to visit. Let us know how much you need to borrow, and you can get a small cash loan to help cover gas, groceries, or various other expenses until you get paid. Even if you only need a $5 loan, we can help! Hilltop Pawn is the ideal place to take out pawn loans of pretty much any amount.


How is Your Pawn Shop Loan Amount Determined?

If you're still wondering whether a pawn loan is one of your best options for your current financial situation, you're likely wondering how we determine the amount of your pawn shop loan. It's easy, and our in-store experts will be more than happy to answer any questions you might have about the process! We will perform our item appraisal quickly on the spot, so you'll be made a loan offer right then.


Credit Score & Income Never Matter With Pawn Loans

Pawn shop loans are collateral loans. This means that we don't perform a credit check or use your credit score to determine how much you can borrow. We also don't ask about your employment history, nor do we want to look at your bank account statements or check stubs. We solely look at how much your valuable items are worth when you bring them in as collateral for one of our short-term loans.


How We Value Your Collateral at Hilltop Pawn Shop

Since the amount we offer for your loan depends on the value of your collateral, we will obviously need to assess your items and determine how much each item is worth. The first step is to perform a quick visual inspection. We'll look at the type of item you brought in, and we'll go from there in determining how much it's worth.


Are you wondering what makes the best collateral when you're looking to take out a bigger pawn loan? Well, basically, desirable, popular, and high-value items are generally going to make it possible for you to borrow more money. Naturally, you'll get a bigger loan from the newest Apple products and video game consoles when compared with older models. Luxury watches and jewelry are very popular collateral here, so if you have diamond rings or a Rolex watch, bringing these items in could be a good choice if you want to take out more than the average pawn shop loan.


Reputable pawn shops like Hilltop Pawn will perform a fair evaluation on your item of value, no matter what you bring in. Of course, we'll look at the general value of the item, as well as its condition. Be sure to give us any relevant information about your items so we can make a fair and accurate offer. With collateral-based loans, things like whether the item is in good condition and what the overall resale value is are big things we look at.


What Collateral Can I Use for a Pawnshop Loan at Hilltop Pawn?

Are you curious about the items you can use as collateral for pawn transactions? We accept a wide variety of pre-owned items of value for our loans. These are some of the items you can bring in. When you visit, we'll take a few minutes to assess the item's value, then make you a loan offer on the spot. These are just some of the wide range of items that we'll take if you're interested in one of our loan options:

●      Smart TV

●      Piece of jewelry

●      Luxury watches

●      Musical instruments

●      Firearms

●      Apple products

●      Video games & consoles

​Hilltop Pawn Shop Makes Loans from $5 to $50,000 in Virginia Beach

If you're based in Virginia Beach and want to get a great deal on a sizable pawn loan -- or a pawn loan of any size -- come see us at Hilltop Pawn Shop & Jewelry. We'll grant you a short term loan from $5 to $50,000, and we're the only local pawn broker that you will ever need! Credit history doesn't matter...we make large loans to people who don't have good credit scores all the time! In fact, we don't even check with the credit bureaus. We also don't charge the high interest rates and fees that go along with payday loans. 


Borrow More Money at Hilltop Pawn Shop & Jewelry

We grant large pawn loans, and we make bigger offers on items of value when you're taking out a pawn loan or selling unwanted items. If you want to get a bigger pawn loan amount, Hilltop Pawn is the place to visit.


​Visit Our Convenient Virginia Beach Location Today

We make the entire process of taking out a pawn loan incredibly fast, easy, and convenient. If you're located in or around Virginia Beach, we think you'll find our convenient location to be a great option. We also respect your time, so we'll try to value your items and get you your cash in a very short time when you visit. You don't have to worry about sitting in a loan office for what feels like hours while you're waiting to get your loan money. We'll get you in and out in no time!


Our Friendly Staff Will Help With Your Pawn Shop Loan

At Hilltop Pawn Shop, we know our customers are the most important part of our business! Our staff are knowledgeable, friendly, and helpful, and they have experience with loaning extra cash on various items of value. Come see us, and chat with our staff members about taking out one of our pawn loans, a great alternative to bank loans. We are more than happy to explain the process to you, answer any questions you have, and guide you through the whole process. Plus, our staff offer great prices when buying or making loans on your items, so borrow the most money by working with us!


Hilltop Pawn Shop is a Trusted Pawn Store in Virginia Beach

When you're looking for the best pawn shop for your pawn loan, you should think about reputation and how long the Virginia Beach pawn store has been in business. Hilltop Pawn is a superior pawn shop in both ways. We've been in the pawn industry for a long time, and we've helped many Hampton Roads residents with everything from taking out pawn loans to getting the best deals on gold jewelry, Rolex watches, and more. We are known as more of a jewelry store than anything, but we help customers with borrowing fast cash every day. Hilltop Pawn Shop's customer service is well-known in the community and is just one reason why we're considered one of the top-rated pawn shops in the area.


Are you looking for pawn stores in Chesapeake? Enjoy the same short-term loan option and the same great customer service at our sister store, Greenbrier Pawn. A pawn transaction will be fast and easy at either location! We'll loan you top dollar at either store and do everything we can to help you with your financial needs. Borrow as much money as you need without the high fees by working with us at either of our stores!


​Borrow the Highest Dollar Amount Today at Hilltop Pawn

For many, a pawn loan is the best type of short-term loan, no matter how much they are looking to borrow. If you want to borrow more money on your personal items, all without any concern for your credit record, Hilltop Pawn Shop & Jewelry is here to help you. There's no can bring your item in and get an estimate of the loan amount you can borrow when it's convenient for you. We'll let you know how much you can borrow and when you will need to repay it. If you change your mind, it's no won't owe us anything for the time, and you can at least learn a little more about how pawn shop loans work.


If you do decide to accept our attractive loan offer, we'll give you a pawn ticket with valuable information, such as the due date, interest charges, and repayment amount. Then, we'll hand you your borrowed money in cash! All you have to do is come in and repay your loan before the maturity date, and you'll get your collateral back on the spot.


What happens if you struggle to repay your loan? Well, you have a couple of options. One option is to forfeit the valuable item you used as collateral. Just leave it with us, and we'll forgive your loan. You don't have to worry about your credit being affected or us sending a collections agency after you. If you don't want to lose your collateral, just make sure you come in before the due date on your loan. We can then talk to you about your option of extending your loan; all you have to do is pay the interest and fees currently due, and we'll extend your loan another 30 days. This is a great option if you need a little more time, and you never have to worry about your credit being affected, unlike with a traditional loan.


A pawn shop is a lot different from other financial institutions like banks and credit unions because we let you choose the amount of your loan. Your local pawn shop is a great place to borrow money, whether you're looking for small loan amounts or a much bigger loan. Not only do we offer a great way to borrow money at Hilltop Pawn Shop, but we also offer the excellent service that you deserve. It takes no time to borrow money on diamond jewelry, firearms, power tools, and other items of value when you visit us, so come borrow money the easy way, regardless of what's listed on your credit report. We are ready to make a deal today!

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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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