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Pawn Shops in Lexington, KY

9 of the 38 pawn shops, check cashing and loan stores we list in Lexington are pawn shops.

Pawn shops vary significantly in the inventory they carry, with some focusing on high-end jewelry and electronics while others stock tools, firearms, or musical instruments. Loan terms, interest rates, and retail pricing also differ based on location and corporate or independent ownership. A map pin confirms a store is open, but it will not show you their current valuation policies or what items they accept for collateral.

  1. Mister Money

    1300 Winchester Rd Ste 150, Lexington, KY 40505-4164

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  2. The Castle Jewelry and Pawn

    2645 Richmond Rd, Lexington, KY 40509

    Buys goldJewelryLayaway
    Call Website Directions

  3. Top Dollar Pawn Llc

    1206 E New Circle Rd, Lexington, KY 40505-4213

    Buys goldJewelry
    Call Directions

  4. Dan's Discount Jewelry and Pawn

    2233 Versailles Rd, Lexington, KY 40504-1603

    Layaway
    Call Directions

  5. Dan's Discount Jewelry & Pawn

    328 E New Circle Rd, Lexington, KY 40505-2617

    Layaway
    Call Directions

  6. Cash America Pawn

    212 E New Circle Rd, Lexington, KY 40505-2117

    Call Directions

  7. Quality Pawn

    450 E New Circle Rd, Lexington, KY 40505

    Call Directions

  8. Ideal Exchange Pawn

    510 E New Circle Rd Ste 135, Lexington, KY 40505-2773

    Call Directions

  9. First Cash Pawn

    1300 Winchester Rd. Suite 150, Lexington, KY 40505

    Directions
Bring valid photo ID. State regulations require a government-issued ID for all pawn loans and outright sales, and most stores require items to be clean and fully functional before making an offer.

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Good to know

What is the difference between pawning an item and selling it?

Pawning an item means using it as collateral for a short-term cash loan, which you can reclaim after repaying the principal plus interest and fees. Selling is a final transaction where you relinquish ownership of the item in exchange for immediate cash. Pawn offers are typically lower than outright sale offers because the shop must store and hold the item.

How long do I have to pay back a pawn loan?

Standard pawn loan terms are typically 30 days, though exact timeframes are set by state and local laws. Most shops allow you to extend or renew the loan by paying the interest accrued for that period. If you do not repay or extend the loan, the shop takes ownership of the item to resell, which does not affect your credit score.

How do pawn shops determine how much money to offer?

Appraisers look at the item's current secondary market value, condition, brand, and likelihood of reselling if the loan defaults. For precious metals and jewelry, valuation relies on the current spot price of gold or silver alongside stone quality. Expect offers to be a percentage of the item's resale value rather than its original retail price.