Pawn Loan

Your Trusted Pawnbroker

Connect Today

Pawn loans are collateral loans you receive at a pawn shop. These loans require no credit check; all that is required is an item of value. As such, pawn loans are great loans to obtain when you need some money quickly. The loan rate is regulated by the state and are usually family-owned businesses who love to help people when they need it the most.

Loan USA is a local pawn shop with three locations in Massachusetts: Worcester, Springfield, and Lawrence. We offer pawn loans on many items, such as jewelry, laptops, cellphones, musical instruments, most vehicles, such as a boat or motorcycle, and more. We treat all of our customers like family. Visit one of our locations, and get a pawn loan today!


  • Offers quick cash No credit check is required
  • Simple and easy process
  • Convenient
  • Credit rating is not impacted
  • No long term repercussions if you don't pay back the loan
  • Can get as many loans as you want
  • No cumbersome paperwork
  • Most pawn loans are charged interest by the month, not for the full term
  • And more!


Pawn loans are simply personal loans using something you own as collateral. For instance, if you have a brand-name guitar worth thousands of dollars and you want to pawn it, you simply bring it in to your local pawn shop, such as Loan USA. The pawnbroker will examine your items, looking for defects, verifying its authenticity, and checking what condition it is in. Once the value has been determined, the pawnbroker will offer you a percentage of the amount of the value. Of course, you are free to accept or decline. Terms and rates vary, but they are heavily governed by your state in order to protect you, the consumer.

If you decide to pawn your item, you turn over the item and the pawnbroker pays you cash on the spot. You will then be required to pay back the full amount of the loan plus interest when you return to reclaim your item. If you never reclaim your item after a certain period of time, the pawn shop is free to sell your item in order to recoup the loan expenses. Loan USA offers the best pawn loans at our stores in Worcester, Springfield, and Lawrence. Stop by today!


There are many benefits to pawn loans, as mentioned above. Pawn loans are great options for those who are unable to take out a traditional loan for any reason. They are extremely quick, requiring no paperwork from you, such as documentation of income. There is no credit check required, which means your credit won't be impacted in any way. If you don't repay your pawn loan, your credit won't be negatively affected, either. There truly is no easier way to obtain cash if you need it fast. Plus, if you pay off your pawn loan early, you usually only pay the interest that has accrued up to that point, saving you money. Reach out to any of Loan USA's locations to learn more today!
pawn loan


Loan USA has been serving the communities of Worcester, Springfield, and Lawrence since 1993. We are passionate about what we do, helping our customers receive the money they need by offering pawn loans. The pawn loan process is simple and transparent. You know everything up-front, including the interest rate and cost. We treat everyone fairly, and do the best we can to ensure you are 100% satisfied as a customer. If you are in need of some quick cash, consider a pawn loan at Loan USA today!

Contact Us Today!