Quick answer: Valley Pawn is a family-owned pawn shop with five locations across Virginia’s Shenandoah Valley — Culpeper, Waynesboro, Harrisonburg, Lexington, and Roanoke. We offer no-credit-check pawn loans, buy gold/silver/coins, and sell quality pre-owned merchandise backed by a 30-day warranty. Locations serving the Valley since 1988.
Pawn Loans
How does a pawn loan work?
You bring in an item of value — jewelry, electronics, tools, musical instruments, firearms, and more. We appraise it using real market data and offer a secured loan based on its value. You have a set period (typically 30 days, with extensions available) to repay the loan plus fees and reclaim your item. If you choose not to repay, you simply forfeit the item — there’s nothing else owed.
Do pawn loans affect my credit?
No. Pawn loans at Valley Pawn require no credit check and are not reported to credit bureaus, so they have zero effect on your credit score.
How much can I borrow?
Loan amounts are based on the value of your item. We loan on anything of value, with loans up to $100,000.
What can I use as collateral?
Jewelry, gold and silver, electronics, tools, musical instruments, firearms (Roanoke), and most other items of value. If you’re not sure, bring it in and we’ll take a look.
Selling Gold, Silver & Coins
Where can I sell gold near me in the Shenandoah Valley?
Valley Pawn buys gold, silver, coins, bars, and scrap at all five locations: Culpeper, Waynesboro, Harrisonburg, Lexington, and Roanoke. We pay fair prices based on current market data.
How do you decide what my gold or silver is worth?
We use real-time market pricing and technology-driven appraisals — not a “gut feeling.” You’ll get a transparent, fair offer.
Buying / Retail
What does Valley Pawn sell?
Quality new and pre-owned merchandise — electronics, jewelry, tools, and more — typically priced below retail. Inventory rotates constantly, so it’s worth stopping in.
Is there a warranty?
Yes. Everything we sell is backed by a 30-day warranty. We stand behind what we sell — “What’s Right Is Right.”
Hours & Locations
What are your hours?
- Culpeper: Monday–Saturday, 10:00 AM – 6:00 PM (the only store open Wednesdays).
- Waynesboro, Harrisonburg, Lexington, Roanoke: Monday, Tuesday, Thursday, Friday, Saturday, 10:00 AM – 6:00 PM. Closed Wednesday and Sunday.
Where are your stores?
- Culpeper — 571 James Madison Highway, Culpeper, VA 22701 — (540) 445-5510
- Waynesboro — 1321 West Broad Street, Waynesboro, VA 22980 — (540) 221-6346
- Harrisonburg — 1790 East Market Street, Harrisonburg, VA 22801 — (540) 574-4500
- Lexington — 125 Walker Street, Lexington, VA 24450 — (540) 461-8349
- Roanoke — 2362 Peters Creek Road, Suite C, Roanoke, VA 24017 — (540) 562-0776
What makes Valley Pawn different?
Family-owned and operated, with locations serving the Valley since 1988. We use modern technology for fair, transparent appraisals, back everything we sell with a 30-day warranty, and treat every customer like a neighbor. We’re a member of the National Pawnbrokers Association.