Frequently Asked Questions

We buy, sell, and pawn:

• Firearms and ammunition
• Gold, silver, and other precious metals
• Jewelry
• Tools
• Electronics and collectibles
• Vehicles and powersports equipment (see high-value loans section below)

A valid, government-issued photo ID such as a driver’s license, state ID, passport, or military ID is required for all pawn and sell transactions, and for firearm/ammunition purchases as required by law.

Yes. We’re always happy to answer questions before you make the trip.

Yes. We regularly make large-dollar pawn loans on high-value collateral.

We make loans on:

• Cars & trucks
• Motorcycles
• Boats & watercraft
• Powersports vehicles (ATVs, UTVs, side-by-sides, dirt bikes)
• Trailers
• Certain title-based or real estate–secured collateral (where legally permitted)

For vehicle and similar high-value loans, you must provide:

• A clean title in your name
• The vehicle or asset itself (customer cannot keep the vehicle during the loan)
• Proof of insurance

We will secure your asset on-site. We are not liable for fire or theft; you are responsible for insuring your asset while it is in our custody.

No. Just like any other pawn, there is no credit check. The loan is based on the item, not your credit.

Yes. If the asset exceeds certain value thresholds, the interest rates drop, making large, high-value loans more cost-efficient.

Yes. We have a simple layaway program.

• 30% down holds the item for 30 days
• You can extend another 30 days by putting down another 30%
• Payments must be made monthly
• Down payments are not refundable

If layaway terms are not met, the item returns to inventory and payments are forfeited.

We accept:

• Cash
• Debit cards
• Credit cards
• Zelle
• Venmo
• Cash App
• Wire transfers
• Checks

Some payment types may have limits or require ID.

• Ammunition: 18+
• Long guns: 18+
• Handguns: 21+

All age restrictions are enforced in accordance with applicable laws.

You must be 18 or older to pawn or sell.

Firearm and ammo purchases may require you to be 18 or 21, depending on the item.

Yes, but minors cannot complete transactions on restricted items.

Yes. Your item is individually tagged and stored. When you redeem your loan, you get that exact item back.

No. Only the original customer who pawned the item may redeem it, with proper ID.

Yes. We cooperate fully with law enforcement, record serial numbers, and comply with all reporting requirements.

Yes. Free evaluations and no obligation to sell.

Absolutely not. We verify ID, log serial numbers, and cooperate with law enforcement.

We must comply with all law enforcement holds until the investigation is resolved.

Yes. We comply with all privacy laws and do not sell or share your personal information.

You bring in an item of value, we appraise it, and offer you a cash loan based on its value.

We hold your item as collateral until you repay the loan plus interest.

Our standard loan term is 30 days, with a 10-day grace period after that.

After the 30-day term, interest continues to accrue and is prorated. You still have your 10-day grace period before the loan is considered defaulted.

Yes. We offer extensions and renewals with interest-only payments. As long as you pay the interest due, you can keep the loan active within legal limits.

Yes—all retail sales are subject to state and local tax.

If you don’t redeem or extend your loan by the end of the term and grace period, the item is forfeited to Washington Gun And Pawn and may be sold.

There is no credit check, no collections, and no impact on your credit score.

Interest rates vary depending on how expensive the item is—larger, higher-value items may receive lower interest rates.

We do not charge storage fees or late fees; only accrued interest applies.

Yes. We accept firearms and ammunition for pawn and purchase, subject to all federal, state, and local laws.

All firearm purchases from Washington Gun And Pawn require:

• A completed ATF Form 4473
• A background check
• Approval before the firearm can be released

We charge $20 to transfer firearms into our store from another FFL or approved source.

Yes. All firearms we sell come with a 3-year warranty on function.

• We warranty that the firearm functions properly and will fire as intended.
• We do not warranty damage, neglect, abuse, exposure to the elements, or cosmetic/visual condition.

Yes, we allow pawn loans with firearms and ammunition. Ammunition will be stored safely and separately according to our policies.

Yes. We require ID for all pawn and sell transactions.

Yes. The cleaner and better condition the item is in, the more we are able to lend or pay for it.

Working, clean tools and equipment bring the best offers.

Yes. All sales are final.

However, if you purchase an item and it does not work, contact us within 24 hours and we will work with you to make it right, subject to our testing and policies.

Yes. We test precious metals on-site and pay according to market (spot) price, purity, and weight.

Yes. We evaluate diamonds, rings, gold chains, luxury watches, and estate jewelry.

Our pricing is market-based, but we always aim to be competitive.

Typically no, unless the item has precious metal content or can be reasonably repaired.

Yes. Electronics must be functional and preferably include chargers or accessories.

Yes. Tools must be in working condition; cordless tools should include batteries and chargers.