Why Pawnshop?

A man performing a diamond appraisal

For people who are experiencing difficulty and looking for cash, The Vault Jewelry and Loan is the answer. Taking a loan out at a pawn shop is quick, easy, secure, and we always pay cash. Banks do not provide loans for $50.00 or $200.00 dollars, however, Pawnshops do. We offer loans for as little as $10.00 and as much as $1,000,000. To use our service, all we need is something of value, also known as collateral, to give you a loan. You will be paid a percentage of the item(s) real-world current market value (usually around 50%). From there you have 30 days to return and pick up your item. That cost is the amount we loaned, plus 10% and a $3.00 fee. For example, say we give you $100.00 for your item. If you come back within 30 days, it will cost you $113.00 to get your item back. That’s it!

Pawnshop loans are much safer than other kinds of storefront loans, such as payday loans, automobile title loans, payroll advance, bill forbearance, etc. If the customer is unable to pay back the loan, the only loss is the item left with us. Unlike with a payday loan, there’s no unending cycle of debt, and we do not impact your credit score. If you aren’t able to pay back your loan on time, we offer a 5 day grace period to all of our customers at no extra cost. If you are unable to pay off your loan, we also offer the option to renew the loan for the amount of the interest and provide customers with a fresh 30 days to obtain the value of the loan. We also provide the opportunity to renew the contract as many times as is necessary for you and never lose your item(s). 

Holding-CashWe have taken several precautions to secure anything of value.  We have over 30 years of experience securing, selling, and pawning items such as cellphones, flatscreen TVs, pro-audio equipment, game systems, handguns and other firearms (at certain locations), tools and heavy equipment, and many more. We also have extensive experience regarding Rolexes and other luxury brand watches, luxury brand bags, diamonds, gold and silver jewelry, as well as gold and silver coins

What we call “hard goods” usually consists of anything not related to high-end luxury items or gold and silver. For “hard goods” we typically pay around 50% of the current market value for the item, depending on condition. When we talk about things like gold and silver, by weight, we offer between 50% and 90% of the market value, depending on the items and their respective liquidity. For example, a Rolex Datejust that sells pre-owned for $5,000.00 with the box, papers, and assuming the watch is in excellent condition; We would loan $3,500.00, or 70% or its market value, against it without question.

Any customer who needs to borrow some quick cash, or just wants to sell an item but wants to haggle in a safe environment with someone trustworthy, instead of waiting weeks after selling something online to get the money for it, come see us at The Vault, we will take care of you. We have been in business for 34 years and we operate in 6 different locations in Northern Virginia.  Most transactions take less than 10 minutes and our friendly, knowledgeable staff are more than happy to answer your questions. Come see us today at a location near you.


Learn More About Pawn Shops

Jamie F. - Pawn Shop Manager in Northern VA
Jamie Furman
Manager at The Vault Jewelry & Loan | Website | + posts

James (Jamie) F., is the manager of our Centerpointe Way location in Woodbridge, VA. With over 14 years in the pawn business, he is an expert in Diamonds, Gold, and Luxury Watches. He is fluent in Spanish and English and enjoys helping customers’ find the item they want at a great deal. Banks and Big Box stores have convinced many that new and expensive is the only way to buy. He aims to change that paradigm and provide exceptional service and quality products at a bargain price to every person who walks through our doors.

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Testimonials What Our Customers Are Saying

Ernie A.

Great store. I’ve been going there for years and they’ve always treated me good. Great products service!

Carola H

Great customer service and affordable prices. Super happy with my purchase

Mia I.

My husband picked up our engagement rings from here, best day of my life. thanks route 50 for the great selection. I was very pleased

Brad B.

The guys were really honest and straight with me. I went to other shops in the area such as jewelry exchange of tysons and got much much worse treatment. Other places you find either stuck-up trashy people, or extremely rude cut-throats. These guys were regular, nice, and fair; explaining the process to me and how buying/selling and pawning things work. I’d recommend them to a friend.

Michelle P.

Never disappointed. Excellent customer service, very friendly. Very clean store. Great selections.