FAQ

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You will need a state issued picture ID card or drivers license. This can be from any state. We CANNOT take anything from you without ID! We also CANNOT take birth certificates, social security cards, temporary drivers' license or ID card, car registrations, health department cards, pawn tickets from another pawn shops, paycheck subs, rent/utility receipts, bank statements, passports, marriage license. The list of acceptable ID is very short and is defined by law.

Yes. We are licensed by the City and State and have undergone very extensive background investigations in order to be in business. Our operation is constantly monitored by the City and law enforcement. In addition, all employees are checked out by the Police Department prior to gaining employment. Our stores are highly secured with walk-in vaults, multiple security systems, monitored camera systems and armed personnel. All of us have heard the horror stories concerning items left in pawn. This is NOT the case at 1st Cash Sales & Loan! Many people, in fact, are so comfortable with us that they pledge their jewelry, coins and firearms for a small loan in order to have it safely stored, retrieving it when they want to wear or use it. We pride ourselves on great organization & cleanliness throughout our store.

The VERY first thing to do is to make a police report. ALL items that we take in are checked out by the police and reported on a central database, and computerized to crosscheck with stolen property reports.  Loans are held for one month before we can sell them! WE CANNOT GIVE YOU ANY INFORMATION ABOUT WHO PAWNED/SOLD US AN ITEM! Remember that manufacturers make thousands, if not millions of the same item.  Serial numbers, inscriptions, markings and suspected individuals are all very important items of information to put on a report. Less than one tenth of one percent of ALL stolen items end up in a pawn shop. Most are sold at flea markets, construction sites, second hand shops, co-workers, and friends.  If you do have a police report filed, and have a case number and the item is listed, we can put a hold on it while you contact the detective on your case. We cannot, however, just ‘give you' the item back. The procedure to recover merchandise has been worked out by the police department and the legislature and needs to be followed! This includes prosecuting the individual(s) involved!

Maybe. We do not keep an inventory record of the items that come out of pawn. We have NO way to know if it is still here, unless you are able to identify your item. When material comes out of pawn, it is grouped together with other out of pawn items, sorted, cleaned and repaired as needed. Jewelry may be broken down into components or sent to be refined, or it may go to any one of our stores or to our road show inventory. Many of the items that come out of pawn stay in the same store, but we do ship items around to our different locations as it is needed. You are free to look in our stores for an item, and if you find it and have your pawn ticket, a special discount can be given for you to buy it back. We cannot, however, look for your items in our inventory.

You have 30 days in which to repay the loan and retrieve your items. The interest runs 15% per month, or a minimum of $5.00. You can pay the interest towards the end of your loan and we will give you another 30 days. This also applies if you are using 1 st Cash Sales & Loan as a secure place to store your valuables!

Just bring in your ID, we do not charge a fee for a lost ticket. IF YOU DO NOT HAVE YOUR TICKET, YOU WILL NEED YOUR ID!!!! We also watch signatures, we can give you a duplicate or even a complete printout of your loans.

In short, as many as you want and as often as you want! We have many regular customers that pawn daily, and others we see but once a year. You can bring in as many different items as you want, or you can bring in the same item many times. That is the beauty of the pawn shop you can't max out your credit, and the only limit on borrowing is how much your items are worth on pawn to us!

Federal law, since 1968, states that you must be 18 to buy a long gun (rifle or shotgun) and 21 to buy a handgun. Long guns can be sold to residents of SOME other states, such as Utah , Arizona , Wyoming , Colorado and Idaho , but not to residents of other states, such as California , Illinois , Hawaii or New York . You have to be a resident of Utah in order to directly buy a handgun. If you find a gun in our store that you would like to buy but cannot because of your state of residence, we can arrange to ship it to a dealer 'back home' for you, who can do the paperwork on that end and transfer it to you. Most dealers charge $10 to $15 to do this.

YES!! We need a deposit of 25 percent and usually set it up for sixty to 90 days. Other time arrangements can be worked out! We do not charge a service fee for layaway.

Yes. You have an additional 10 day grace period after your contract has expired. If the end of your grace period is approaching and you find that you need a little longer, please call us and ask to speak with either the owner or manager and we will try and do what we can. We do, as a matter of policy, hold loans for the full 30 days. If you call us BEFORE YOUR LOAN EXPIRES we can offer you a courtesy extension. THIS IS A COURTESY THAT CAN BE REQUESTED - IT IS NOT AUTOMATIC!!!!! WE DO NOT MAIL ANYTHING OUT TO YOU!!!!!!

You may pay just the interest and handling charge. This will give you another 30 days. We can also accept part payments; however when you pay the interest and we re-write the loan for you, you may elect to pay off part of the loan at that time and we will re-write the new loan for the new amount. If you are out of town or cannot come in, you can have someone else pay the interest for you and we will give them a new pawn ticket for the new loan. It will be still made out in your name and you will either have to give someone written authorization to pick up the loan or come in yourself.

Jewelry, TVs, DVD players, guns and holsters, rifles, coins, DVDs and all types of movies, cameras and lenses, tools, radios, stereos, guitars, musical instruments, video games, computers, mountain bikes, editing equipment, pool cues, camcorders, laser printers, golf clubs, vacuum cleaners, metal detectors, silverware, artwork, collectables, high grade watches, cell phones, binoculars, spotting scopes, samurai swords, knives, RVs, boats, ATVs, sporting goods, pocket watches... and the list just goes on. And of course, all at GOOD savings!