How the Pawn Process Works
1. Bring in your item – You bring us something of value to use as collateral.
2. We evaluate it – We look at what it is, what it’s worth, and what we can safely loan against it.
3. We make a loan offer – Based on that value, we offer you a cash loan for up to 90 days.
4. You pay it back or renew – You can pay off the loan early and pick up your item, or renew the loan at the end of the term if you need more time.
Loan or Sell—Your Choice
If you want your item back, we set it up as a pawn loan. If you’d rather sell outright, we can do that too—it’s always your choice. Our first‑month rate is the lowest in town, so if you pay off your loan within 30 days, you’ll save money here compared to the big corporate shops.
90-Day Loan Terms & Renewals
A typical pawn loan at Nine Lives is 90 days. You can pick up your item anytime before then by paying the balance and interest. If you need more time, you can extend the loan for another 90 days at a time by paying the interest due.
90 DAYS
What Happens If You Don’t Pick Up
If you don’t return to pay off or renew your loan by the end of the term, the item goes into default and becomes property of Nine Lives Auction and Pawn. We always encourage you to reach out if you’re unsure about your dates or options—we’re here to help you keep your items whenever possible.
Nine Lives Official Terms and Conditions