1. All customers are eligible for the Free Birthday Pawn.
2. No service fee will be charged during the month of the customers birthday for this promotion.
3. The pawn must originate in the month of the customers Birthday or if a customer has an existing pawn that has been in for multiple months and one of those months is the customers birth month, that month shall be free of all service fees. If a customer has multiple pawns in pawn during the birthday month only one (1) pawn is eligible for the free month. The customer may choose which one (1) pawn the free month will be applied to. That pawn principal must not exceed $500.00 five hundred dollars.
4. After the first free 30 days if the customer wishes to extend the pawn, normal service fees will apply as stated on the pawn ticket contract. If the pawn is redeemed in the first 30 day period, only the principal amount will be owed.
5. The maximum amount of the free pawn cannot exceed a principal of five hundred dollars ($500.00)
6. Only (1) one Free Pawn per customer will be allowed per year (365 days).
7. We try our best but we may not always notice that it's your birthday month. It is up to you, the customer, to make us aware of it being your birthday month. This promotion is not retroactive.
8. Arlington Jewelry and Pawn reserves the right to end or alter this promotion at any time without any prior notice.
9. Rules subject to change without notice.

A pawn shop is a state-licensed and regulated business offering collateral pawns from $10 to $100,000 to its customers. In addition to pawns, a pawn shop will also purchase and sell items of value.

A pawn is a 30-day agreement using your collateral to receive money that can be renewed on a monthly basis by paying the monthly service charges.

Example:

Let's just say you borrow $100.00 on your jewelry. At the end of 30 days, you can come in and pay the service payment, which extends the pawn for another 30 days, or you may come in and repay what we advanced you plus any applicable service charge and get your item back (redemption). If you choose not to make the service payment or redeem your item by the end of 30 days, by law, the pawn is automatically extended by an additional 30 days. We do not charge any 'late fees'. However, the service charge does accumulate if not paid. If no payment has been made within 60 days and the item is not redeemed, then the pawn defaults and the collateral becomes the property of the pawnshop.

NOTE: The pawn can be extended as many times as needed.

We will offer to pawn or purchase most jewelry, watches, diamonds, coins, newer electronics, musical instruments, quality tools, antiques, and collectibles. However, we do specialize in the following: jewelry (gold, silver, or platinum), loose diamonds, coins (gold, silver, or platinum), gold bars, silver bars, broken or scrap jewelry (gold, silver, or platinum), scrap dental gold, gold and sterling flatware or hollowware, and WWII memorabilia. We will also take in newer laptop and tablet computers.

Yes, Pawnbrokers are governed by all major federal laws that apply to entities designated as financial institutions. The federal laws that regulate the pawn industry are Patriot Act, Truth in Lending Act, Equal Credit Opportunity Act, as well as Data Privacy and Safeguard of consumer information as part of the Federal Trade Commission (FTC) Rules. In addition, states have regulated the pawn industry for decades, and most pawnbrokers are licensed and regulated by local authorities.

Most banks will not loan you small amounts of money. But, even if you only need $10, we can help you. Pawns do not affect your credit. We offer a quick, convenient, safe, and confidential way to borrow money. A short-term cash need can be met with no credit check and no obligation to repay. 

Some advantages to pawning are:

• It is hassle-free.
• Immediate cash payments.
• No credit check or reporting.
• You retain ownership of your item while it is in pawn.
• If the loan defaults, nothing is reported to any credit agency or sent to your house.

We guarantee that we will pawn the most that we can on your item. However, pawn amounts vary according to the resale value of the item. Your pawn amount will be determined according to many factors, including the current market value of the item on a used market, demand, and condition of the item, to name a few.

We base the value of the item on the current market value, its current condition, and the ability to sell the item. Pawnbrokers use research tools that they have at their disposal to determine an item's worth and get you the most money for the item. The appraisal process varies depending on the type of item.-For example: Jewelry is evaluated differently than a Blue-ray player. All items that pawn shops buy or pawn are tested to ensure that it works properly.

According to the State of Illinois, less than half of one percent of all pawned merchandise is identified as stolen goods. That's because customers must provide valid identification and a complete description of the merchandise. This information is transmitted daily to law enforcement, which dramatically decreases the likelihood of a thief bringing stolen merchandise to a pawn store. We are required by State and Federal law to report every transaction to law enforcement every day.

Pawn transactions are unique in that they are the only type of transaction that requires reporting to local law enforcement agencies. In many states, this reporting is required daily and must include extremely sensitive personal information about the consumer (i.e., ethnicity, gender, address). Much of this information qualifies as "non-public personal information" under federal privacy law and is entitled to protection as such.