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F.A.Q.

What kind of collateral do you accept?
 

We accept gold or platinum jewelry with or without diamonds or other precious stones, including rings, bracelets, necklaces, earrings, cufflinks & gold coins. We also accept high quality watches. If you are unsure if we accept your jewelry, visit one of our branches and speak to any of our brokers.
What value do you loan?
The loan value will be a percentage of the market value based upon weight, condition and quality. This estimate is free of charge.
What are the requirements to make a loan?
Ontario rules and regulations requires that you must be at least 18 years old to make a loan and present a valid government issued photo identification (i.e. drivers license, passport, citizenship etc.). You will also need to provide us with your jewelry to be held as collateral until redemption. Please note that Health card cannot be accepted as an ID.
How long does the loan process take?
Our process is quick and easy. A loan value will be determined within a matter of minutes, and you can be on your way with cash in your hand moments later. All business done with ePawn is strictly confidential.
How do I know that my jewelry will be returned to me in the same condition?
Your jewelry is safely packaged and labeled with a unique pawn number. The package is then stored in a secure vault. Upon repayment of the loan, the collateral is returned to you.

 

Your jewelry is insured by Town of Richmond Hill.

We have been in business for over 15 years and four generations of family ownership has earned ePawn a worldwide reputation of integrity and service.

How long do I have to repay the loan?
You have one month period.  The borrower can redeem their merchandise at any time prior to the due date. At the end of the months, the loan can be extended upon the payment of interest.
If I make the loan, what do I receive?
First, you will receive the agreed upon amount of money. We can provide cash, check or wire transfer. We are fully compliant with Ontario Pawn Laws.

 

Second, you will receive a pawn ticket. Do not lose the pawn ticket, as it is necessary to redeem your merchandise. The ticket will provide a description of your merchandise, the amount financed, all charges, and the terms of the contract. DO NOT LOSE YOUR PAWN TICKET!!!

What if I cannot redeem my merchandise after a months?
You may request ePawn re-pledge your property for an additional months. If agreed, a new ticket will be generated after all interest and fees are paid. You will be notified by phone when your loan comes due.
What is the interest rate that is charged?
Ontario law allows pawnbrokers to charge four percent (5%) per month plus the storage fee, loan monitoring fee and taxes.
Will my credit history affect my ability to make a loan?
No, we do not run a credit check or income verification. The loan is made solely on your collateral.  Additionally, your pawn activity is not shared with credit agencies so there will not be any affect on your current or future credit score with a small exception.