Getting a loan is quick and easy, usually taking around 10 minutes. To qualify, you must be at least 18 years old, have a valid state or federal photo ID, and bring in an item of value that we can securely hold as collateral.

Our knowledgeable staff will perform a fast assessment of your item, considering factors like condition, age, and potential depreciation over time. Once the evaluation is complete, you’ll receive cash on the spot no credit checks and your item will be securely stored for the duration of the loan.

We accept a wide range of items of value, including jewelry, gold, designer handbags, electronics, tools, musical instruments, and more.

If you’re unsure, bring it in our team is happy to take a look and provide a free evaluation.

All loans are issued with an initial 60-day term, followed by a 30-day grace period, as required by Oregon law.

If you’re not ready to pay off the full balance when your loan is due, you can renew it by paying the interest, which starts a new loan term. A1 Hawk also includes the same 30-day grace period on renewals, something not all shops offer.

There’s no limit to how many times you can renew, giving you the flexibility to keep your item secure until you’re ready to redeem it.

Pawn loans are made with the expectation that you’ll return to pick up your item, but we understand that circumstances can change.

If a loan is not repaid according to the agreed terms, the item used as collateral becomes the property of A-1 Hawk. Under Oregon law, this transfer happens on the 31st day after the loan’s due date. There are no collections, no impact to your credit, and no further obligation.

We care about our customers and strive to be as flexible as possible. If you’re having trouble or need more time, we encourage you to reach out—our team is here to work with you and help you recover your item whenever possible.

All fees and rates are regulated by Oregon law, ensuring a straightforward and transparent process.

• Interest: 3% per month (minimum $3; one-month minimum applies)

• Set-Up Fee: 10% of the loan amount (minimum $2, maximum $250)

• Storage Fee: 7% of the loan amount (minimum $2, maximum $250)

You are only responsible for these fees if you choose to redeem or renew your item.

For example, a $100 loan held for 90 days would cost up to $25.88.

Compared to other common financial options, pawn loans are often significantly more affordable. A typical payday loan may cost around $39, the average credit card late fee is about $81, and the average bank overdraft fee is around $90.

Stay in control of your loan with our convenient mobile app. Easily make payments, review your loan details, and track your account anytime, anywhere.