How Loans Work

Here’s how easy a loan from Southern Oregon Pawn works

Unlike other local pawn shops, we do not charge any additional firearm handling fees or lost ticket fees.

We loan on many types of collateral, specifically fine jewelry, gold and silver coins, diamond rings, loose diamonds, firearms, and high-end watches such as Rolex, Omega, Breitling, Patek Philippe, Cartier, Tiffany, and Vacheron.  We also loan on art, customs knives, electronics, musical instruments, digital camera equipment, tools, and many other items of value.  We have two people on staff who are certified by the Gemological Institute of America in Diamond Grading.  If you are curious about whether we would take your item just give us a call at 541-772-5118.

You can feel confident loaning with us.  With over forty years of combined experience, we have the knowledge needed for a quick and professional loan.  We have the largest loan base in Jackson County from several years of polite and reliable service.

We loan approximately up to one-half of what we believe an item is worth used.

When you come to Southern Oregon Pawn for a quick, cash, loan, you must bring the following:
– Your collateral & a Government-issued photo identification – specifically a State-issued driver’s license or State-issued ID card.

When you come to Southern Oregon Pawn for your quick cash needs you get:
– Quick cash and a friendly hassle-free loan
– A 60-day loan period with a 30-day grace period, on new loans only
– All loans are confidential, insured, and guaranteed by contract (you receive a copy of the contract when you make your loan)
– You have the option to renew for an additional 60-day loan period
– You may also leave your phone number for a courtesy text message in the event that you have passed your due date.
– With all of our loan transactions we give you a pawn buck worth $1.00.  Pawn Bucks can be used toward payment on your loan or towards any purchase made at Southern Oregon Pawn. They do not expire and you can save them up.  

REWING LOANS BY MAIL

Get a purchase money order for the renewal amount on the loan.

Send the money order, the original yellow pawn ticket, and a self-address stamped envelope.

Allow us enough time to send you your new yellow pawn ticket back through the mail.

RENEWING LOANS BY PHONE

Give us a call at 1-541-772-5118 for the renewal amount due.

Loan payments may be paid with a Visa or Master card (with an additional 3 % charge).

Your new yellow pawn ticket will be held with the card receipt until the original borrower can come in with their government-issued photo identification to pick up the receipt and the new yellow pawn ticket.

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REDEEMING A LOAN

Cash is required for picking up all loans, with no exceptions.

You will need the current yellow pawn ticket or be the original borrower with state-issued photo identification.

All redeemed firearms must go through an Oregon State Police background check. The fee for the OSP firearm check is $10. This fee is in addition to the loan fees.

Southern Oregon Pawn
[email protected]         541-772-5118