I know you've heard that line before! But if it's really the case with you, and you need a some money before payday arrives, Pawn XChange will help you out as much as we can. We do 90 day loans without a credit check or background check as long as you bring in working merchandise to put up as collateral, such as electronics, DVDs, tools, instruments and gold or platinum jewelry. We calculate our maximum amount to be able to loan on merchandise by determining what the product is being advertised for new, then putting that amount into our equation and coming up with a loan amount. The amount is usually 20% of the cost if you were to buy it new. So say if you can buy a certain model chainsaw new for 100 bucks, we would probably loan you 20 dollars, more or less depending on the condition of the item and your customer status with the company. If you are a preferred customer, that means that you come back for the majority, about 80%, of the merchandise you have pawned. This will affect the amount of money we will loan you. If you are preffered, we can loan more, or if you have defaulted every loan you have had, we loan you the base amount and no more. So, it pays to be preffered. There are fees and interest every 30 days, so the sooner you pay off the loan the better. It's a great option if you are short on cash and need money for gas, bills, groceries or anything, before payday.