Pawn loans, or collateral loans, are written for a period of four (4) months. All loans are insured by Lloyds of London for twice the loan amount, and collateral is stored in secure vaults.

The borrower can redeem the loan at any time before the end of the four (4) month period, and will only be charged for that period of time which has passed. At four months, you can request to pay the interest to date. If accepted, we will issue you a new ticket, which means you have a new four month loan. At redemption, the jewelry will be returned with the repayment of the principal, interest and fees.

If you have any additional questions about Modell or our services, contact a location directly to speak to one of our trained pawnbrokers.

Contact one of our locations