Advantages of Pawnbroking:

No Credit Checks

Confidential Services

Instant Cash Given

You still retain ownership of your valuable items

Quick and Easy

Good Value Short Term Loans

Low Interest Rates

loans Toms River, NJ


Pawnbroking is the quickest and most efficient way of obtaining an immediate cash loan.

To obtain your loan, you pledge property you own as collateral and simply turn your goods temporarily back into the cash it once was. In effect, you are borrowing from yourself. There are no credit checks, no I O U’s from friends or family, no high interest cash advances on your credit cards, and no negative repercussions for unrepaid loans. It’s a safe, secure and fast way to borrow cash based upon your collateral. Q’s Loan prides itself on the speed and efficiency of our highly trained staff, who will process your loan in less than 15 minutes.

Terms and Conditions

Personal collateral loans are issued on a 90 day term at a state regulated interest rate of 4.5%, compounded monthly, with an 8% service charge not to exceed $4.00 per loan ticket. Lost, damaged or stolen tickets will incur a $5.00 fee per ticket. You can redeem your collateral anytime within the 90 day loan period, or renew your loan contract for an additional 90 days by simply paying your interest and service fee. You may renew as many times as needed.

Pawning Procedures

Q’s Loan is licensed and regulated by the State of New Jeresey Department of Banking and Insurance. Our clients have the assurance of knowing they are dealing with a reputable business, regulated by state law and cooperates closely with local law enforcement agencies. Loans are made based on the intrinsic value of a clients personal property. After a loan amount is decided, a pawn ticket is issued stating the amount of the loan and the specific time period that Q’s Loan will hold the clients property. You must be 18 years of age and have state photo ID to receive a loan. A photo is taken during the transaction.

Property will be safe and well cared for. A pawnbroker is bound by law to protect the clients rights as noted in the loan agreement. The borrower is not obligated in any way to come back and pick up their property, but on average 90% of all loans made at Q’s Loan are repaid.