How pawn loans workA pawn loan is cash against an item you leave at the shop. How the loan amount is set, what it costs under state law, how long you have and what happens at the end.What can I pawn?Gold and jewelry, tools, electronics, musical instruments and firearms are the items pawn shops lend on most. What they refuse and how to prepare an item.How much will a pawn shop give me?Pawn offers are based on resale value, not on what you paid. How shops price gold, electronics and tools, and how to estimate your offer before you go.Pawn shop interest rates by stateThe maximum monthly charge pawn shops can collect in each state, with the cost of a $500 loan, grace periods and links to each statute or regulator.Pawn shops open on SundayWhich pawn shops are open on Sunday, city by city, from their published hours: how many open, typical Sunday hours and the shops near you.24-hour pawn shopsPawn shops that publish 24-hour hours are rare. The ones in our data, plus the pawn shops that stay open latest in each city.What ID do I need to pawn something?Pawn shops must record a government-issued photo ID for every loan. Which IDs are accepted, minimum ages by state and what else the shop records.How to get the best price at a pawn shopPractical ways to get a higher pawn or sale offer: know the value, clean the item, bring accessories, compare shops and negotiate the loan terms.What happens if you don't pay a pawn loanIf you miss the due date you usually get a grace period; after that the pawn shop keeps the item and the debt ends. Grace periods by state and your options.