970-731-7296 (731-PAWN) | M-F 10AM-5:30PM Sat 10AM-5PM | 635 San Juan St. Pagosa Springs, CO 81147
Pawn Services in Pagosa Springs
Need fast cash or thinking about selling something? At San Juan Trading Post, our pawn services are simple, fair, and right here in downtown Pagosa Springs.
Pawn Loan or Sell Outright — What's the Difference?
- Pawn loan:
You get cash now and the option to get your item back later. Ideal if you just need short-term money. - Sell:
You get more cash upfront but give up the item permanently.
Most people get more for selling than pawning, but pawning keeps ownership in your control. (Pawnbrokers Association)
👉 Want to sell outright? Visit our Sell or Trade page to learn more.
How Pawn Loans Work in Pagosa Springs
Pawn is basically a short-term loan using something you own as collateral—not a credit check or bank application. You bring in an item of value, we look it over, and if it’s something we can work with, we make an offer on the spot.
Here’s the process:
- Bring in your item
Whether it’s jewelry, a firearm, tools, or something else of value, bring it into the shop for a quick look and honest appraisal. - We appraise it with care
We look at condition, market demand, age, and resale value. For jewelry or gold we test purity. For guns and gear, we check condition and compliance with local rules.
- Get a cash offer
You choose:- Sell outright and walk out with cash today
- Pawn it and get a loan using that item as collateral
- Pay back and redeem
Pawn loans are typically 30-day terms with the option to renew if you need more time. If you pay back the loan plus interest and fees, you get your item back. - What happens if you don’t redeem?
If the loan isn’t repaid, the item becomes inventory we can sell. Most people redeem their items, but if you run into trouble, just talk to us—we can often work with you. (Pawnbrokers Association)
What Items Can You Pawn or Sell at San Juan Trading Post?
We handle a wide variety of items, including:
- Guns, ammo, and shooting accessories
- Native American art and turquoise jewelry
- Gold, silver, and fine jewelry
- Tools, musical instruments, electronics, and more
If it has value and is in good condition, bring it in—it’s worth a look.
No Credit Check, No Bank Required — Just Fast Cash
Pawn loans through San Juan Trading Post:
- Don’t affect your credit score
- Don’t require proof of income or employment
- Are confidential and respectful
This makes pawn a great option when you need cash fast without banks or credit cards. (Pawnbrokers Association)
Are we licensed?
Yes we are! We are a nationally licensed pawn brokerage with the National Pawnbrokers Association. The NPA is the industry’s only national association representing independent pawnbrokers.
Why Choose San Juan Trading Post
We’re not a big corporate chain—we’re your neighbors in downtown Pagosa Springs. Ryan Beavers and the team are straightforward and fair, and we’ll always explain your options clearly.
Whether you’re new to pawn or have pawned before, we make the process easy to understand.
Want to Learn More or Get Started?
- See Sell or Trade if you’re thinking about selling outright.
- Check out Guns & Ammo or Native American Art & Jewelry if you’re curious what we carry.
- Contact us or stop by the shop anytime—questions are welcome.
We’re right downtown with convenient parking and open weekdays and Saturdays.
Frequently Asked Questions
What can I pawn at San Juan Trading Post?
Guns, jewelry, gold, silver, tools, musical instruments, and more.
How long is a pawn loan term in Pagosa Springs?
Pawn loans are typically 30-day terms with renewal options.
Do I need a credit check to get a pawn loan?
No. Pawn loans use your item as collateral — no credit check, no bank required.
Where is the pawn shop in Pagosa Springs?
635 San Juan St., downtown Pagosa Springs, CO. Open Monday–Friday 10AM–5:30PM, Saturday 10AM–5PM.
What happens if I don't pay back my pawn loan?
The item becomes store inventory. Most people redeem — if you're struggling, talk to us and we can often work something out.
Pawnbrokers are governed by all of the major federal laws that apply to entities designed as financial institutions. The federal laws that regulate the pawn industry are Patriot Act, Truth in Lending Act, Equal Credit Opportunity Act, as well as Data Privacy and Safeguard of consumer information as part of the Federal Trade Commission (FTC) Rules. Pawn shops that deal in firearms are regulated by the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF). Pawn shops may also be Federal Firearms License holders. States have regulated the pawn industry for decades, and most pawnbrokers are licensed and regulated by local authorities as well.