If you need cash quickly and you own gold or diamond jewelry, a pawn loan is one of the fastest ways to get it — without a credit check and without selling anything you want to keep. Here's exactly how it works at a Pompano Beach pawn shop, step by step.
What to bring
- The item — gold chains, rings, bracelets, pendants, coins, or bullion.
- A valid government-issued photo ID — required by Florida law for any pawn transaction.
- Any paperwork you have — receipts, appraisals, or certificates help, but they're not required.
Step 1: We test and weigh the item
We confirm the gold karat and weigh the piece in front of you. For diamonds, we inspect the stones. This tells us the real value of what you're bringing in — no guessing.
Step 2: We make a loan offer
A pawn loan is money borrowed against your item as collateral. The amount is based on the item's value. You keep ownership; the item stays safely with us until you repay. Because it's a collateral loan, there's no credit check and it doesn't affect your credit score.
Step 3: You get cash and a pawn ticket
If you accept, you walk out with cash and a pawn ticket that spells out the amount, the fees, and the due date. Keep that ticket — you'll need it to redeem your item.
Step 4: Repay and get your item back
Pay back the loan plus the agreed charges by the due date and your jewelry is returned to you exactly as you left it. Terms are typically offered in 1-, 2-, 3-, or 6-month options. If you can't repay in full, ask us about your options before the due date.
Pawn vs. sell
Pawning is a loan — you get your item back when you repay. Selling is final — you get more cash up front but the item is gone. If the piece has sentimental value, pawning keeps it in your hands. Learn more in our guide on whether to pawn or sell your gold.
Frequently asked questions
Do I need good credit to pawn jewelry?
No. A pawn loan is secured by your item, so there's no credit check and no effect on your credit.
How fast can I get the money?
Most pawn transactions take only a few minutes once we've tested and valued the item.
What happens if I don't repay?
You simply forfeit the item — there's no debt sent to collections and no hit to your credit. Talk to us before the due date if you need options.
Visit DD Pawn Loans in Pompano Beach
DD Pawn Loans is at 2751 W Atlantic Blvd, Pompano Beach, FL 33069. Call or text (561) 774-9292. Hours: Mon–Thu 10am–6:30pm, Fri 9am–8pm, Sat 10am–6:30pm, closed Sunday. All sales are final — no returns.