Welcome to Loan USA!

Welcome to Loan USA! loan usa

Welcome to Loan USA! We are a local pawn shop with three locations in Massachusetts, including Worcester, Lawrence, and Springfield to better serve you. Our mission is to help you get the funds you need fast. As a pawn shop, we take goods, such as jewelry, computers, cameras, tools, and more as collateral. We then lend you a percentage of the value of those goods with interest. When you pay that loan off, you get your item back. It's that simple! Below, we'll take a brief look at the pawn loan process and some of the items that we lend on. Stop by, or contact us to learn more today!

The Pawn Loan Process

As we mentioned above, we've made the pawn loan process extremely easy and simple. It starts with an item you would like to pawn. You can think of it as you giving it to us for safekeeping for a bit in exchange for money up front. You bring us your item. Depending on what it is and its condition, we'll determine a value of what it is worth. Sometimes, this is a very quick, straightforward process.

However, if you bring us something unique, we may have to take a few minutes to do some research on it. We may also have to validate its authenticity. This especially comes into play for antiques, heirlooms, artwork, and the like. The more unique the item is, the more research we may have to do. In this case, it may take us a bit to determine a value. However, this part of the pawn loan process is crucial as it allows us to determine the correct value so you can get more money if you like.

Once the value is determined, we'll tell you the maximum amount of money we will lend on the item. Of course, if you don't need that much, you certainly don't have to take that much. Once you agree and decide how much money you need, we'll draw up the paperwork, which will list the terms of the pawn loan and the interest rate. Here at Loan USA, we never try to pull the wool over your eyes. We encourage you to ask as many questions as you deem necessary. We most definitely don't want you confused!

After this, you'll receive your money, and be on your way. The pawn loan process is quick, and we love seeing you 100% satisfied with the service you've received.

Some Of the Items We Take for Our Collateral Loans Include:

  • Jewelry made out of precious metals and gemstones
  • High-end watches
  • Precious metal bars and coins
  • Vehicles, such as boats, and heavy equipment
  • Designer handbags
  • Cellphones
  • Laptops
  • Gaming systems
  • Cameras
  • Artwork
  • Musical instruments
  • And so much more!


Loan USA has been serving the communities of Worcester, Lawrence, and Springfield since 1993. Our family-owned pawn shop now spans three generations, and we treat all of our customers like family. If you are interested in a pawn loan, stop by to see how we can help you today!