• Home
  • How Does a Pawn Work?
  • What Do We Buy & Sell?
  • Pay Your Loan Online
  • Shop Online
  • Locations
  • About Us
  • More
    • Home
    • How Does a Pawn Work?
    • What Do We Buy & Sell?
    • Pay Your Loan Online
    • Shop Online
    • Locations
    • About Us
  • Home
  • How Does a Pawn Work?
  • What Do We Buy & Sell?
  • Pay Your Loan Online
  • Shop Online
  • Locations
  • About Us

How our 90-day pawn loan works

1. Bring in Your item

  • We assess your valuable item (gold, watches, electronics, etc.) and offer you a cash loan based on its value.

2. Receive Your Loan

  • Once you accept the offer, we hold your item as collateral and give you cash on the spot.


  • Your loan is for 90 days with a 4.5% interest rate per month on the loan amount

3. Repay and Retrieve Your Item

  • To get your item back, you'll need to repay the loan amount plus interest within 90 days.
  •  There is also a $4 storage fee for each pawn contract that is paid at time of pickup. 

4. Need More Time? No Problem!

  •  If you can't pay in full by the 90th day, you can extend the loan by paying just the interest due and renewing for another term.

5. No Risk to Your Credit!

  • If you decide not to repay, there's no penalty or credit impact - we simply keep the item as repayment.

 In order to process your pawn you must be 18 or older with a valid (not expired) driver's license or government-issued photo ID.  


The images below are of items that we commonly will consider for a pawn loan


If you would like to see if we can pawn your item, please call any of our 3 locations or click the button below!


Contact us

Jewelry + Watches

Jewelry + Watches

Jewelry + Watches

 DIAMONDS, GOLD, SILVER, PLATINUM, DESIGNER WATCHES, AND VINTAGE/ESTATE PIECES; COUTURE DESIGNER JEWELRY LIKE DAVID YURMAN, JOHN HARDY, TIFFANY & CO., ROLEX, AND MANY MORE. 

Bullion + Coins

Jewelry + Watches

Jewelry + Watches

GOLD, SILVER, PLATINUM AND PALLADIUM BULLION, AMERICAN CURRENCY AND COINAGE AND MUCH MORE.

Designer Handbags

Jewelry + Watches

Fast Cash Pawn Shop NJ

LOUIS VUITTON, GUCCI, PRADA, CHANEL, HERMES, YSL, BURBERRY, CHRISTIAN DIOR, FENDI, VERSACE AND OTHER HIGH END DESIGNER BAGS

Electronics

Musical Equipment

Fast Cash Buy Sell Pawn Shop NJ

 DIGITAL CAMERAS, LAPTOPS, TABLETS, COMPUTERS, CELL PHONES, ​GAME SYSTEMS, DJ EQUIPMENT AND MORE. 

Musical Equipment

Musical Equipment

Musical Equipment

Fast Cash Buy Sell Pawn Shop NJ

 HIGH END GUITARS, AMPS, PEDALS, KEYBOARDS, MIXERS,  DRUM SETS AND MORE. 

Sporting Goods

Musical Equipment

Musical Equipment

Fast Cash Buy Sell Pawn Shop NJ

KAYAKS, GOLF CLUBS, HUNTING GEAR, FISHING RODS/REELS, DIRT BIKES, FOUR WHEELER'S, BICYCLES AND MORE. 

Why Choose a Pawn Loan

 

Pawning is the quickest and most efficient way of obtaining an immediate cash loan!


There’s no need to fill out lengthy forms at a bank or credit union, put up your car title, or sell treasured family heirlooms!   A pawn loan, or collateral loan, is a safe way to borrow money and get the cash you need fast! There’s never any credit checks or hassles plus getting a pawn loan is quick and easy! ​One of our friendly Sales and Loan Associates will help you get the cash you need.


​Fast Cash is locally owned and we’ve been in business over 15 years!  We are proud to live and work in the communities we serve.  We have built our business on  trust and the golden rule.  Neighbor helping neighbor.  We want our customers – our neighbors to be treated right.

Disclaimer


There are no financial implications for nonpayment. If no payment is made, the loan simply defaults. Collection practices include sending a text message, phone call and letter reminding the client payment is due. There is no impact to a client's credit score for late or non-payment.  Loans are renewed when an interest payment is made. Monthly interest rate does not exceed 4.5%. There are no additional fees or penalties when renewing a loan.  The loan is not required to be repaid within 90 days. The minimum repayment period is 1 day, and maximum is 10 years. 


An example: borrower takes a $100 loan, repays $113.50 in 90 days plus a one time storage fee of $4.00.  

Total $117.50 

Loan is fulfilled

Copyright © 2025 Fast Cash On The Spot - All Rights Reserved.

Powered by

  • Home
  • How Does a Pawn Work?
  • What Do We Buy & Sell?
  • Pay Your Loan Online
  • Shop Online
  • About Us
  • Privacy Policy
  • Terms and Conditions

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept