Pawn loans · Lynn, MA
Borrow against what you own — cash in minutes.
We hold an item you own and lend you money against it, instantly. No credit check, no background check, and the loan never appears on your credit — even if you decide not to redeem. The North Shore's largest pawnbroker, on the same corner since 1930.
4 Freeman Square, Lynn MA — Mon–Fri 10am–5pm — Next to the Mosaic Apartments, across from Lynn Community Health Center
How a pawn loan works
Bring in your item
Gold, silver, platinum, diamonds, watches, coins, or bullion — in any condition. We appraise it on the spot; just bring a valid government-issued photo ID.
Walk out with cash
We lend you money instantly against your item and write a four-month pawn ticket. Special terms available for larger loans.
Redeem or renew
Within four months, repay the loan plus fees to get your item back — or pay just the fees to renew for another four months, as many times as you need. Pay down the balance any time.
And a promise most shops won't put in writing: every customer gets a minimum one-month grace period beyond the due date. Forfeiture is the outcome we work hardest to avoid — our business is built on customers redeeming and coming back for decades.
Common questions
No. A pawn loan is secured by your item, so there's no credit check, no background check, and no effect on your credit score — even if you choose not to redeem.
It depends on the item — the same honest appraisal that sets our purchase offers sets your loan amount. Bring it in, or call for an estimate. Borrow as much as you like, as many times as you need.
Simple, licensed rates: 3% per month, plus a small appraisal fee. As an example — borrow $1,000, and picking your item up a month later costs $1,050: the loan, one month's interest, and the fee. Larger loans are our specialty, and on loans of $5,000 and over we waive the appraisal fee entirely. No hidden charges, and you can pay down the balance any time.
Not on day one — we give every customer a minimum one-month grace period beyond the due date, and within it you can still redeem your item or renew the ticket by paying just the fees. If the date is sneaking up on you, call us — we'll work with you.
Just your item and a valid government-issued photo ID, required by Massachusetts pawnbroker regulations. You walk out with cash the same visit.
About 30 minutes — straight up Route 1A/16 from Everett, Revere, and downtown Boston. If you need cash the same day, the loan itself takes minutes at the counter: no credit check, nothing on your credit, and your item comes back whenever you're ready to redeem.
More answers on our main FAQ — or just call, we're happy to talk it through.
Need cash today?
Walk in any weekday 10–5 — cash in hand in minutes, and your item stays yours.