Renew or Pay Off Your Pawn Loan
Questions about a specific loan — your due date, your balance, whether an item is still here — go to the store where you pawned it. The phone numbers are below.
Call Your StoreRates & TermsYour Three Options Each Month
Renew
Pay this month's finance charge (20% of the balance under $1,000, 15% at $1,000 and up). The loan starts a fresh 30 days and your item stays in storage. Do this as many months as you need.
Pay down
Pay any amount toward the principal. Next month's charge is figured on the smaller balance — and if you drop under $1,000 or climb over it, the rate changes with it.
Pay off
Pay the balance plus the finance charge that has accrued, show your ID, and take your item home. No early-payoff fee, ever.
Your Timeline
Loan date
The date on your pawn ticket. Your 30 days start here.
Day 30 — due date
Renew, pay down or pay off. If you can't make it in, you're not in default yet.
Days 31–60 — grace period
Thirty more days to come in. Interest keeps accruing, so sooner is cheaper.
Day 61 — default
The item becomes ours to sell. Nothing is reported to credit bureaus and you owe nothing more. If you change your mind, call the store — the item may still be on the shelf for purchase.
Good to Know
Lost your pawn ticket?
No problem. Bring your photo ID to the store that holds your item. The ticket alone doesn't let anyone else redeem your item, so a lost ticket doesn't put it at risk.
Picking up a firearm
Colorado law requires a CBI background check and its fee at the time you redeem a gun. Plan on a few extra minutes; the fee is separate from your loan charge. Since August 1, 2026, Colorado treats certain semiautomatic rifles and shotguns with detachable magazines (AR-style rifles, for example) and gas-operated semiautomatic handguns as "specified semiautomatic firearms." Getting one of these back out of pawn may require the state's new eligibility card and firearms course. Before you pawn an AR-style or similar rifle, read our Colorado Gun Laws 2026 guide — it explains which firearms are affected and what you'll need to redeem yours.
Vehicle loans
Auto pawn loans renew and pay off the same way, at 20% a month. Bring your ID; the title comes back to you when the loan is paid. See auto pawn.
Payments must be made in person
Loans are paid at the counter of the store that holds your item. Call your store if you're unsure of your balance or due date.
Frequently Asked Questions
Where do I pay on my pawn loan?
At the store that holds your item — Original, Super Pawn, East or North. Your pawn ticket shows which one. Loans can't be paid at a different Acme location.
What do I need to bring to renew or pay off?
Your government photo ID. Bring your pawn ticket if you have it; if you've lost it, your ID is enough.
How do I renew my pawn loan?
Pay the month's finance charge before the end of your grace period and the loan starts a fresh 30 days. You can renew as many months as you need.
Can I pay part of my loan down?
Yes, any amount, any time. Your next finance charge is figured on the lower balance.
What if I'm late?
You have a 30-day grace period after your 30-day due date, so 60 days total from the loan date. Interest accrues during the grace period. After that the loan defaults and the item is ours to sell — nothing is reported and you owe nothing.
Can someone else pick up my item?
No. Only the person who took out the loan can redeem it, with their own photo ID. A pawn ticket by itself doesn't allow someone else to pick up your item.
I pawned a gun. What's different when I pick it up?
Colorado law requires a CBI background check and its fee when a firearm is redeemed. That fee is separate from the loan charge. Since August 1, 2026, Colorado treats certain semiautomatic rifles and shotguns with detachable magazines (AR-style rifles, for example) and gas-operated semiautomatic handguns as "specified semiautomatic firearms." Getting one of these back out of pawn may require the state's new eligibility card and firearms course. Before you pawn an AR-style or similar rifle, read our Colorado Gun Laws 2026 guide — it explains which firearms are affected and what you'll need to redeem yours.
Can I pawn the same item again after I pay it off?
Yes. We'll look it over again when you bring it back in.
Call the Store That Holds Your Item
Open Monday–Friday 9–6 and Saturday 10–5. Your pawn ticket shows which store.
Original (719) 633-2579Super Pawn (719) 633-8787East (719) 638-4461North (719) 596-0722
Addresses and maps: Original · Super Pawn · East · North