Pawn FAQ

We are open Monday through Friday, 9:00am to 6:00pm, and 9:00am to 2:00pm on Saturdays. We are closed on Sundays.

The two largest categories are jewelry (precious metals & gems) and firearms. We also take current model electronics such as flat screen TVs, DVD and Blu-Ray player/recorders, digital cameras, video cameras, smart phones, tablets and much more. Musical instruments and equipment, tools, power tools, video games, DVDs -- the list goes on and on. If you are not sure, call us or fill out our form.
Note: You may NOT pawn or sell any rented items or items that still have an unpaid balance on them.

A pawn is a cash loan with the right to redeem the items you pledge after paying the original pawn loan amount and any service/interest charges due. You still own the items that you pawn unless you default on the loan. Ownership / title passes to the pawnbroker ONLY if you default.
There is no damage to your credit if you fail to redeem a pawn loan.
Selling your item to a pawnbroker means you give up ownership of your item immediately and it becomes the property of the pawnbroker.

Usually selling - If there is no sentimental value or reason that you wish to keep ownership of an item, then selling is the way to go. Pawning means you still want to own your item. If you pawn an item with no intention of picking it up, the pawnbroker must wait 90 days until the pawn contract expires before he may recoup the money he has loaned. Because of this, a pawnbroker will sometimes bid less on a pawn.

As a rule of thumb, we use a value of about one-half of what you might find it currently selling for -- used -- on the Internet. This amount will vary with the popularity of your item and how quickly it could be turned back into cash. The more popular or quick-selling your merchandise is, the closer to used retail value we will be able to offer.

Identification. A non-expired government approved ID with photo such as driver's license, state ID (non-driver), or passport. Since there is no credit check, nothing else is required. One thing to remember, if you are pawning a firearm, your ID must have your current address and you must be able to pass the FBI background check to be able to redeem and pick up.

Minimum age is 18. In Missouri, a pawn is a 30-day secured credit loan. Any time during the 30-day period the loan can be redeemed for the principal amount loaned plus the service/interest charges. If the pledgor cannot pay the full amount, paying the service/interest charges only will extend the due date to the next 30-day period. If the pledgor allows the pawn loan to become a total of 90 days past due, then the items pledged in pawn become the property of the pawnbroker.
A pledgor has no obligation to redeem the pledged goods or make any payment on a pawn transaction.

Yes, State and Federal law regulates the privacy of your transaction with us and we have procedures in place to safeguard your information.

Come in and notify us immediately! According to Missouri Statute, ANY person presenting a pawn ticket shall be presumed to be entitled to the items in pawn. Upon notifying us of the loss of the pawn ticket, our customer service staff can guide you through the process of replacing the ticket to avoid losing your item in pawn.

As a courtesy, we will send you a text message three days prior to the day your pawn loan comes due. If you do not wish us to send a reminder, please tell us at the time the loan is made.

Yes. There is no restriction on the number of pawn loans that you may have with us.

At Family First Pawn, all pawned jewelry and firearms are stored in our vault and are not removed until they are redeemed or the pawn has forfeited. All other items are held in storage facilities that are entrance-restricted. We have one of the most extensive electronic security systems in the area. Your items are safe!

The majority of all pawn loans, approximately 85%, are redeemed. Modern pawnbrokers find it in their best interest to have you among the majority of people who redeem their loans rather than going through the hassle of cleaning, pricing, advertising, selling and paying an employee commission to convert your item back into cash for future loans. Having you as a repeat loan customer is the goal rather than owning your merchandise.

The modern pawnbroker's worst enemy is the thief. Pawnshops are required to get positive identification, such as a driver's license, state ID (non-driver's license), passport, etc. on anyone pawning or selling merchandise. In Missouri, we upload the descriptive information on every item we pawn or purchase including all serial numbers that are visible to a law enforcement data base. Like us, most modern pawnshops are well lit and have numerous video cameras running 24 hours a day -- not the type of place a thief would go to get rid of stolen merchandise. Because of this, our percentage of "ill gotten" goods is a very small fraction of a percentage of all the items we take in.

Yes. States have regulated the pawn industry for decades, and pawnbrokers are licensed and regulated by local authorities as well. We are subject to such laws as Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Patriot Act, and Federal Trade Commission Rules on Data Privacy and Security Transfer, as well as Federal Firearms Licensing. At the federal level, we are regulated by the Federal Trade Commission (FTC), Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), and the Treasury Department.

What We Pawn