Frequently Asked Questions

The following questions are examples of questions we get at EZ Cash every day. We love these questions because they help us to help you. From time to time we will add questions and answers of a general nature. We encourage you to e-mail any questions you have that are not answered below. We will respond as promptly as time permits with our best answers based on current information or market conditions.

Q: CAN YOU PROVIDE A QUOTE OR AN APPRAISAL ONLINE FOR AN ITEM?

A: We are unable to provide an accurate quote of what we would pay for an item, sight unseen. Also we are not able provide appraisals on items we have not had the opportunity to personally inspect.

Q: HOW DO I KNOW YOU'RE LEGITIMATE?

A: This is an excellent place to start. I use the Internet myself and have come across some scams in my day too. We are a liscensed and registered business in the State of Florida, USA, with a store, and employees. Please check with the following references: Florida Pawnbrokers Association, National Pawnbrokers Association, A A Classic Jewelers and Loan of Evanston, Illinois and Goldsmith Designer Jewelers of Lynn Haven, Florida.

Q: WHY WOULD I EVER USE A PAWNSHOP?

A: Another good question, because many people never use a pawnshop. But from experience, pawnshops are being discovered by intelligent Internet users of very modest to higher income levels. These curious and value conscience shoppers are becoming more and more aware of pawnshops. Pawnshops often have the same brand name items and comparable items at very significant savings compared to original retail prices. Where else can you buy a 27" color TV with remote for less than $120.00?

Q: HOW DO I KNOW WHAT I BUY ISN'T STOLEN?

A: All items taken at a pawnshop, whether loaned upon or purchased, are listed with a complete description. This list is provided to the local police and is required by law. The law also requires that these items be held for a minimum of 30 days before they are available for sale. During this holding period, the police are given ample time to compare what pawnshops have received, against theft, burglary and robbery reports, match item descriptions and prevent the sale of stolen property. If the 30-day hold period has passed and the police have not determined the property to be stolen, the title to the property passes to the pawnbroker and the property becomes available for sale. You can buy with the confidence that the items offered for sale in a pawnshop are not stolen.

Q: HOW DO I KNOW I'M GETTING FULL VALUE FOR MY ITEMS?

A: Value is the variable. Retail value is what you pay in the retail store. Replacement value is what it would cost to replace the item in the marketplace today. Appraisal value is what your insurance company will use for a basis for insurance premiums. Resale value is what you could sell your item for to a willing buyer. Value is a variable and a perception. When we develop a loan or buying value, we evaluate the components of the item presented. For jewelry items, we use the cost to purchase "like" quality goods at wholesale in the current marketplace. For bulk items, generally, average used wholesale prices are implemented allowing for excessive wear and tear. These values can range from 10% to 70% of retail store prices. Therefore, full value for any item can only be the value that you are willing to accept for the item you are offering.

Q: I DON'T LIVE BY YOU, HOW DO I GET A LOAN?

A: Unfortunately, in Florida you need to personally sign the pawn contract and you need to present proper state issued identification. Unless you come visit us, we would not be able to loan you any money. I would recommend visiting a pawnbroker in your own community.

Q: MY VCR DOESN'T WORK, CAN I STILL BORROW AGAINST IT?

A: The answer to this question depends on the cause of the malfunction. Sometimes the problem can be resolved with a good cleaning of the internal moving parts. Sometimes the malfunction is more severe. We would have to inspect the VCR to be sure. Remember to bring the remote control, or any additional accessory parts that are considered standard, and indeed, necessary for the item to be presented as complete.

Q: I NEED A GIFT FOR MY WIFE, IT'S OUR 10TH ANNIVERSARY?

A: Suggested gift for the 10th anniversary is a diamond eternity band, with diamonds all around the band. Of course, you're not limited to just that. After 10 years, she deserves something very special, say, a 2-3 carat diamond replacement wedding set, a 3-7 carat tennis bracelet, a custom designed cocktail ring or 2 carat pair diamond earrings. These are just examples. Check our Anniversary List for more suggested gifts by anniversary year. Traditional guidelines suggest spending 2 months salary, but you should give from the heart, we'll look out for your pocketbook.

Q: I WANT A LIST OF BIRTHSTONES BY MONTH, DO YOU HAVE ONE?

A: Sure, follow this link to our Birthstone List and our Anniversary List.

Q: I HAVE MY GRANDPA'S GOLD TEETH, WHAT CAN I GET?

A: We actively buy most forms of gold in almost any condition. For further information, follow link to Buying.