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Pawn loans are a quick and easy way to borrow money with no credit check and no negative effects on your credit score if you decide to let the item go unpaid. You simply bring in an item of value and we will determine the most we can loan against it. You can borrow any amount up to the maximum we can offer. In other words, your loan amount is based the value of your item not on your credit score or pay schedule.
Loans in Washington State are written for 90 days. At anytime during that period you may pick up your item by paying back the principle (amount borrowed plus interest). Interest rates are determined by Washington State and are the same at any shop you may go to in Washington State.
If you are unable to pay off your loan in full you have the option of paying only the interest due (rewrite/renew) prior to expiration date of the loan, and you will recieve a new loan ticket good for an additional 90 days. If you decide not to pay off the loan or pay the interest to rewrite/renew the loan prior to expiration date, then after the loan expires your item is placed in our showroom and put up for sale. There is no harm to your credit score or your ability to get further loans from Axel's in the future should you choose to let an item go unpaid.

Several factors determine the value of an item. These fators include but are not limited to the new retail price, its current appraised value, the condition and our ability to resell the item in the event you choose to forfiet the loan. We use every source at our disposal to maximize the amount we are able to offer you. Axel's knowledgable and experienced staff are trained to offer you as much for an item as possible.

Overall appearance is the first thing we notice. We will also test each item to make sure it is in proper working order. We will evaluate any accessories, manuals, cables, cords or additional add-ons. We will determine whether an item is a currently available model or a discountinued model.
As with any collateral loan, an items items age and condition are the primary factors when determining how much we are able to loan.

If you are unable to pay off a loan in full before the final due date you have the option of paying the interest due. You will receive a new loan ticket good for an additional 90 days at that time. This must be done prior to the final due date on the current loan. A loan can be rewritten / renewed as many times as necessary, until your are ready to pay off the loan in full and redeem your item.

When you come in and pay off your loan in full, including interest and pick up your item, you have redeemed it.

Yes, you can. However it is most cost effective for you to pay down the principle (loan amount) at the same time that you rewrite/renew your loan. The cost to you is higher if you want to make monthly payments beacuse you end up paying more in interest. When the loan is due and you plan to pay the interest to rewrite it, you can pay extra to reduce the loan principle, thus making your interest lower on the new loan and reducing the overall cost to redeem your item when you are ready to pick it up.

We like to say we deal in everything from A to X. There are some exceptions, if it eats not likely, if it leaks not likely, otherwise we are open to look at most anything.
Tools are our specialty, hand tools, power tools, gas tools, precision tools, diagnostic tools, automotive tools, most any type of tools, but we also deal in Jewelry, Firearms, Musical Instruments, Electronincs, Computers, Video Games, Collectibles, Sporting Goods and more! If you have a question give us a call (509-535-2251) or drop us an Email Here.

No problem. We will determine the value and make you an offer to purchase your item. Understand that we will loan you as much as we will pay you for an item so if you are not sure which to do, the amount you receive will be the same. Some pawnshops pay more to buy because they will get it out for sale sooner (30 as opposed to 90 days). Axel's, on the other hand will loan as much we would pay, after all if you forfiet an item we bought it haven't we? This way we can loan you more than some other shops you may be able to.

Yes we do. In fact most of the time you will get more for your item if you are looking to trade for something we have. Trade value is determined by evaluating your item and looking at what you want to trade for and then coming to some mutually benficial agreement. If you see something in our showroom you want or need and have something to get rid of, come in and let's make a deal.

Only if you choose not to repay the loan in full with interest or rewrite the loan (pay interest due) before the 90 day loan period expires. If you choose not to repay the loan your item will be forfieted and placed on our showroom floor for sale.
If a forfieted item is available on our showroom floor you are still able to rewrite or redeem your item with no additional charges except Washington State sales tax on the total amount due, as required by law.

Jewelry is evaluated by weight of precious metal and quality and size of any diamonds in the piece. A simple scratch test determines the karat of gold. This leaves only a tiny mark in a hidden location on your jewelry so its value is not diminished. The karat content and weight will determine the precious metal value based on that days current market value.
Diamond values are slightly more difficult to determine but the Color, Clarity, Cut and Carat size (The Four "C's) are used to determine the value of diamonds. We will electronically test your diamond to be certain it a not a synthetic of any kind, and then base the value on the four C's of your diamond against current market value for diamonds.
Since the market values on these itmems are constantly changing it is impossible to determine value without the piece in our shop for evaluation. Evaluation usually only takes a few minutes.

Unfortunately not. We may be able to give you a general idea of what we can loan over the phone but until we actually examine and evaluate an item we are unable to determine the maximum loan amount we can offer. It is not uncommom that we are able to loan more than we estimate over the phone once an item is evaluated but there is no guarantee implied or given over the phone.

Absolutely! While your item is in pawn it still belongs to you and we take that fact very seriously. All accessories (remote controls, cords, cables, etc...) are kept with your collateral while in our secure storage area. Once an item is placed in a safe storage location it remains untouched until you redeem it or forfiet it.

Yes, we make loans on Rifles, Shotguns, Pistols, Revolvers and Collectable firearms all of the time.
Many of our customers get a small loan on hunting firearms after the season has ended for a safe, secure and dry place to keep them until the next season. This is an inexpesive way to safely store your guns out of your home and away from children or criminals in the event of a burglary.
All firearms are stored a fireproof walk-in vault in a dry environment on carpeted shelves.
As a federally and state licensed gun dealer we are required to follow all federal and state regulations regarding the proper acquisition and disposal of all firearms we handle.
There is some paperwork to be filled out and called in to the FBI/ATF-NICS agency before we can release a firearm back into your possesion but this takes only about 5 to 10 minutes to complete and a huge majority of the time there is no delay releasing your firearm back into your possession. In the event a background check is delayed it must be resolved by the FBI/ATF-NICS agency within 3 business days. If no reply is received by us regarding the delay within that 3 business day period , we can release the firearm to you at that time without further delay.

No. It is very rare that a pawned item turns out to be stolen. Nationwide, several independant studies have determine that less than on half of 1% of the items brought into a pawnshop are stolen. This is due to several reasons, first of all every item that comes into a pawn shop is held for a minimum of 30 days in the case of an outright purchase or 90 days in the case of a loan. Each and every item taken in to a pawnshop is reported to the police every day. The information provided to law enforcement includes the Item, Brand, Model, Serial Number, Who Pawned It and Identification Information.
Washington State law requires us to verify current valid State issued ID, we have cameras recording every transaction, we get a signature and we report every item to the police...criminals know this and avoid pawnshops entirely. If someone brings a stolen item into a pawnshop THEY WILL GET CAUGHT!

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