What types of loans do you offer?

We offer secured and unsecured personal loans ranging from $300 to $5,000.

What are your business hours?

We are open Monday to Friday from 8:30 AM to 5:00 PM and closed on weekends.

Do you have hidden fees?

No, we do not have hidden fees, and we aim to provide clear and transparent loan terms.

A pawn is a secured loan. The loan amount is based on merchandise brought to the pawn store to be held as collateral for a cash loan.

Does a pawn affect my credit rating?

Since a pawn is a secured loan, it does not affect your credit. There is never a credit check, and your credit report cannot be affected by any pawn transactions.

How long do I have to redeem my merchandise?

In Louisiana, pawn transactions must be held by the pawnbroker for three months.

How much does a pawn transaction cost?

In Louisiana, the interest and service charges on a pawn transaction totals 20% per month.

What if I cannot redeem my merchandise by the maturity date of the loan?

You may extend or renew your loan by paying a portion of the interest due. There is no limit to the number of extensions you can make.

Do pawnshops deal with stolen property?

In Louisiana, as well as most other states, pawnshops are required by law to report all merchandise taken on a daily basis. The police compare our lists with all of the burglary/robbery lists in their computer. Studies have shown that fewer than one-tenth of one percent of items taken in pawnshops are stolen.

How do you know an item is not stolen?

We have many systems in place to deter criminals from pawning stolen items. In addition to reporting our acquisitions on a daily basis, we also hold all items that we buy, take or trade for 30 days to allow the police to check our records.

How much should I expect for a loan on my merchandise?

Loans vary according to the merchandise. There is no minimum or maximum dollar amount allowed on a pawn transaction. Because the pawnbroker has to recoup his money by selling the item, if you choose not to redeem it, you should expect to receive only a portion of its retail value.

What payment methods do you accept?

We accept Visa, MasterCard, and Debit cards for purchases. All loans require cash payment to pick up. Sorry, but we don't take cards on loan pick-ups.

What types of products can I find at BJ Pawn & Gun?

BJ Pawn & Gun offers a wide selection of items including apparel, electronics, jewelry, firearms, and more.

What are the business hours for BJ Pawn & Gun?

The store is open from 9:00 AM to 5:00 PM Monday through Friday, 9:00 AM to 3:00 PM on Saturday, and closed on Sunday.

Is there a layaway option available?

Yes, BJ Pawn & Gun does offer layaway plans for their customers.

What types of items do you buy?

We buy gold, silver, jewelry, watches, and various electronics.

Do you offer free consultations?

Yes, we provide free estimates for your items without any obligation to sell.

What forms of payment do you accept?

We accept cash, checks, and bank transfers.

What is a car title loan?

A car title loan is a secured loan where the title of your vehicle is used as collateral. You keep driving your car while repaying the loan.

How can I apply for a loan?

You can apply online through our website or by calling us at 225-325-7970.

What documents do I need to provide?

You will need to provide the title of your vehicle, a photo ID, proof of residency, proof of income, proof of insurance, and pictures of the vehicle.

Can I get a loan with bad credit?

Yes, we accept all credit types, including bad credit.

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