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Pawn Shops in Cincinnati, OH

15 of the 67 pawn shops, check cashing and loan stores we list in Cincinnati 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. Cash America Pawn

    7901 Reading Rd, Cincinnati, OH 45237-2101

    Buys goldJewelryElectronicsLayaway
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  2. Cash America Pawn

    4875 Reading Rd, Cincinnati, OH 45237-6053

    Buys goldJewelryElectronicsLayaway
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  3. Cash America Pawn

    10090 Springfield Pike, Cincinnati, OH 45215-1452

    Buys goldJewelryElectronicsLayaway
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  4. Cash America Pawn

    5223 Glenway Ave, Cincinnati, OH 45238-3704

    Buys goldJewelryElectronicsLayaway
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  5. Cash America Pawn

    7671 Colerain Ave, Cincinnati, OH 45239-4580

    Buys goldJewelryElectronicsLayaway
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  6. American Trading Company

    3209 W Galbraith Rd, Cincinnati, OH 45239-3903

    Mon-Fri 10am-6pm, Sat 10am-4pm, Sun Closed

    Buys goldJewelryFirearms
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  7. The Money Vault Jewelry and Loan

    2190 Queen City Ave, Cincinnati, OH 45214-1028

    Buys goldJewelryElectronics
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  8. The Money Vault Jewelry and Loan

    7764 Colerain Ave, Cincinnati, OH 45239-4504

    Buys goldJewelryElectronics
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  9. Queen City Jewelry & Pawn

    7935 Reading Rd, Cincinnati, OH 45237

    Mon–Fri 10am–7pm, Sat 11am–4pm, Sun closed

    Buys goldJewelry
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  10. West End Loan

    1113 Vine St, Cincinnati, OH 45202-7226

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  11. Classic Pawn

    9185 Union Cemetery Rd, Cincinnati, OH 45249-2008

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  12. Cashland

    11008 Hamilton Ave, Cincinnati, OH 45231

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  13. Cashland

    5708 Glenway Ave, Cincinnati, OH 45238

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  14. Stan's Pawn Shop Inc

    608 W Wyoming Ave, Cincinnati, OH 45215-4527

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  15. ZHO jewelry and cell phone

    5213 Glenway Ave, Cincinnati, OH 45238

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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.