Question 1

How does a pawn loan work at Valley Pawn?

Accepted Answer

You bring in an item of value (jewelry, electronics, tools, instruments, firearms, and more). We appraise it using real market data and offer a secured loan based on its value. You keep the loan for a set period (typically 30 days, with extensions available) and reclaim your item when you repay the loan plus fees. Pawn loans require no credit check and do not affect your credit score.

Question 2

Do pawn loans affect my credit score?

Accepted Answer

No. Valley Pawn pawn loans require no credit check and are not reported to credit bureaus, so they have no effect on your credit score.

Question 3

Where can I sell gold, silver, or coins in the Shenandoah Valley?

Accepted Answer

Valley Pawn buys gold, silver, coins, bars, and scrap at all five locations: Culpeper, Waynesboro, Harrisonburg, Lexington, and Roanoke. We give fair, data-driven appraisals based on current market prices.

Question 4

What are Valley Pawn's hours?

Accepted Answer

The Culpeper store is open Monday through Saturday, 10:00 AM to 6:00 PM. The Waynesboro, Harrisonburg, Lexington, and Roanoke stores are open Monday, Tuesday, Thursday, Friday, and Saturday, 10:00 AM to 6:00 PM, and are closed Wednesday and Sunday. Culpeper is the only store open on Wednesdays.

Question 5

Is there a warranty on items Valley Pawn sells?

Accepted Answer

Yes. Valley Pawn backs everything it sells with a 30-day warranty. We stand behind what we sell.

Question 6

How many Valley Pawn locations are there and where?

Accepted Answer

Valley Pawn has five locations across Virginia's Shenandoah Valley: Culpeper (571 James Madison Highway), Waynesboro (1321 West Broad Street), Harrisonburg (1790 East Market Street), Lexington (125 Walker Street), and Roanoke (2362 Peters Creek Road, Suite C).