How much is the finance charge (interest)?
In the State of Florida the maximum amount a pawnshop can charge is 25%.
Since 2009, Fireproof Pawn has had a finance charge of 20% flat-rate without the gimmicks or hidden fees.
What do I need to get a loan?
Collateral. At Fireproof Pawn we pride ourselves on taking anything of value. If there's a demand for it, we can help you.
No need to bring Social Security cards or Pay-stubs, all you need is a State issued ID & an item of value.
Can I get a loan on my gun?
Yes! Pawning a firearm is easy. Bring in your unloaded firearm in a secured bag or case & walk out with the right loan.
Upon redeeming any pawn transaction involving a firearm, you must pass a background check which is done and approved the same day you pick up. Hassle free.
If I can't redeem my item on time, what are my options?
Don't have the total to redeem in a month? No problem. To extend your item for another 30 days all you need to pay is your finance charge.
(So if you received a loan for $100 and needed to extend your loan, all you would need is $20 to allow yourself an extra 30 days to redeem).
A "loaned" item must sit secured in our back-area for a total of 60 days without a payment before forfeiting. If your loan becomes "past-due" over 60 days with out a payment, you MUST pay AT-LEAST 2 months of finance charges to reactivate your loan.
Are there any hidden fees I should worry about?
No. It's that simple. No lost ticket fees, no problem.
Can I get a loan with a lower finance charge?
For loans over $2000, you may be eligible for a discounted finance charge after review by our Management team.
For all other loans under $2000 our interest rate is 20%. Still lower than our competitors.
How does layaway work?
See something you like but can't buy it now? For a small down payment, we can hold it for you for 3 months!
We don't charge a layaway fee for your 3 month plan either. If you needed to extend your layaway for longer then 3 months, then it would just be $5 per month.
How do I buy a gun or firearm?
You need a valid state issued FL ID or license. You also need a clean background. As required by law, We do background checks on all new and returning firearm buyers. There is a one-time fee of $8 required whenever you a purchase any firearm for performing a background check. Background checks usually take around 10-20 minutes to approve when purchasing a firearm. If you do not have a concealed carry permit you must wait 3 business days after purchase to receive your fire-arm (Unless you have other state approved exceptions). You must also be at-least 18 years old to purchase a rifle or shotgun, 21 years old for handguns.
Call us now at 407-891-3805 and we will be happy to assist you with any questions regarding fire-arm purchases, pawns, and transfers.
Do you offer any warranties?
You may purchase a warranty for your new item for 10% of the price you will pay for said item (Some exclusions apply). If you wish to decline adding a warranty to your new purchase then the sale is AS-IS.
Can I buy stuff online?
Yes! We now have an online marketplace through BUYA.
Is my stolen stuff at your Pawn Shop?
If you suspect your stuff may have been stolen then you should immedietly notify the police and file a report so they can accuratly and safely handle the situation for you.
If you have any other questions regarding our storage services please call us now at 407-892-1312