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Call toll free: 1-800-757-7296

Why we’re Better than a pawnshop

  • Free loan appraisal
  • No credit check
  • No employment verification
  • No payments for 180 days
  • Lower interest rates & fees
  • Longer loan terms & grace periods
  • Reduce/redeem your loan at any time during the repayment period
  • Free Cash Rewards: Refer a Friend
  • Abandoned collateral sold and after expenses, you keep excess proceeds
  • Five convenient locations in New York City

Consider the DIFFERENCE

BreakdownProvident Loan SocietyNY State Pawnshop
Loan Period6 Months4 Months
Interest Rates2.167% Monthly (26% Annual Interest)4% Monthly (48% Annual Interest)
Interest Rate ChargesBy the exact number of daysBy the month
Additional FeesLowerMaximum
Grace PeriodYesNo
Breakdown Provident Loan Society
Loan Period 6 Months
Interest Rates 2.167% Monthly (26% Annual Interest)
Interest Rate Charges By the exact number of days
Additional Fees Lower
Grace Period Yes
Breakdown My State Pawnshop
Loan Period 4 Months
Interest Rates 4% Monthly (48% Annual Interest)
Interest Rate Charges By the month
Additional Fees Maximum
Grace Period No

For an estimation on loan fees and interest rates, you can use our loan calculator.

If it’s your first time taking out a collateral loan you might have questions, check our FAQ.

To get started on your collateral loan, click here to get a free appraisal, call us toll-free at 1-800-757-7296, or visit one of our five New York City locations. We also offer loans to all 50 states and US territories.