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Terms & Conditions

A legal disclaimer

Last Updated: November 02, 2025

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Welcome to WWW.24HRPAWNSTORE.COM (the "Site"). The Site is operated by 24HR Pawn Shop & REPAIRS CORP. ("We," "Us," or "Our"). These Terms and Conditions (the "Terms") govern your use of the Site and constitute a legal agreement between you and Us.

By using the Site, you agree to be bound by these Terms without modification. Please read them carefully.

 

1. The Service and Agreement

 

  • Site Purpose: The Site is an E-commerce Site. Its purpose is to introduce and provide financial services related to the pawn industry and to offer pre-owned items for sale.

  • Agreement: Your use of the Site means you agree to all the Terms contained herein.

  • Privacy: Your use of the Site is also governed by our Privacy Policy, which details our data collection practices.

 

2. Electronic Communications and Your Account

 

  • Consent to E-Communications: When you visit the Site or send us emails, you are using electronic communications. You consent to receive electronic communications from us (via email and on the Site), and you agree that all notices and disclosures provided electronically satisfy any legal requirement that such communications be in writing.

  • Your Account Responsibility:

    • If you use an account, you are solely responsible for maintaining the confidentiality of your password and restricting access to your computer.

    • You agree to accept responsibility for all activities that occur under your account or password.

    • We are not responsible for third-party access to your account that results in theft or misappropriation.

    • We reserve the right to refuse or cancel service, terminate accounts, or remove/edit content at our sole discretion.

  • Age Restriction: If you are under 18, you may only use the Site with the permission of a parent or guardian. We do not knowingly collect personal information from persons under the age of thirteen.

 

3. Intellectual Property

 

  • Ownership: All content on the Site (text, graphics, logos, images, software, etc.) is the property of 24HR Pawn Shop & REPAIRS CORP or its suppliers and is protected by intellectual property laws.

  • License: You are granted a revocable, non-exclusive, non-transferable license to access and use the Site strictly in accordance with these Terms for your personal use.

  • Restrictions: You may not modify, publish, transmit, reverse engineer, sell, create derivative works from, or exploit any of the Site's content without our express written permission. You do not acquire any ownership rights to the protected content.

 

4. Links and Third-Party Services

 

  • Linked Sites: The Site may contain links to other websites ("Linked Sites"). We are not responsible for the content or practices of any Linked Site. We provide these links solely as a convenience.

  • Third-Party Sharing: By using any product, service, or functionality originating from the Site, you consent that we may share necessary information and data with third parties who have a contractual relationship with Us to provide the requested service (e.g., payment processing, shipping).

 

5. Refund and Cancellation Policy

 

This policy applies only to items purchased through the WWW.24HRPAWNSTORE.COM e-commerce Site.

 

A. Cancellations

 

  • Customers have 24 hours to cancel any order.

  • If cancellation is requested after items have been processed but before shipping, you will be reimbursed the item price, but not the shipping fees.

  • If cancellation is requested after items have been shipped, you must contact Client Services at info@24hrpawns.com to process a refund as detailed below.

 

B. Refunds & Returns

 

  • Refund Request Window: Refund requests must be made within 15 days of the original shipping date. Items are not eligible for a refund after this period.

  • Condition of Items: Items must be in the original condition in which they were received, including original packaging and protective wrappings.

    • Requests for damaged or missing items will either be refused or processed with a 10% restock fee, contingent upon the extent of the damage.

  • Refund Method: Refunds will only be made in the original form of payment. Shipping charges are non-refundable.

  • In-Store Returns: Items can be returned at any of our store locations within 15 days of the original shipping date. You must provide the original purchase receipt(s).

  • Returns by Mail (Online Purchases Only):

    1. Email Client Services at info@24hrpawns.com with the subject "RETURN REQUEST."

    2. The email must clearly state the Order Number, Item Name & Description, and the Reason for the request.

    3. Allow 24 hours for a reply with further instructions.

 

6. Disclaimer of Warranties and Limitation of Liability

 

  • "AS IS" Basis: The information, software, products, and services on the Site are provided "AS IS" and "AS AVAILABLE" without warranty of any kind. We and our suppliers explicitly disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

  • Liability Limitation: To the maximum extent permitted by law, 24HR Pawn Shop & REPAIRS CORP and its suppliers shall not be liable for any direct, indirect, punitive, incidental, special, or consequential damages (including loss of use, data, or profits) arising out of the use or performance of the Site or related services.

  • Exclusive Remedy: If you are dissatisfied with any portion of the Site or these Terms, your sole and exclusive remedy is to stop using the Site.

 

7. Indemnification

 

You agree to indemnify, defend, and hold harmless 24HR Pawn Shop & REPAIRS CORP and its officers, directors, employees, and agents from any losses, costs, liabilities, and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site, your violation of these Terms, or your violation of any third-party rights or applicable laws.

 

8. Dispute Resolution and Class Action Waiver

 

  • Arbitration: In the event the parties are unable to resolve any dispute, it shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, administered by the American Arbitration Association or a similar service. The arbitration award shall be final, and the prevailing party is entitled to recover its costs and reasonable attorney's fees.

  • Class Action Waiver: Any arbitration will take place on an individual basis. Class arbitrations and class/representative/collective actions are not permitted. You agree that you may bring claims against Us only in your individual capacity, and not as a plaintiff or class member in any representative proceeding.

 

9. Governing Law and General Provisions

 

  • Governing Law: This agreement is governed by the laws of the State of New York.

  • Termination: We reserve the right to terminate your access to the Site and related services at any time, without notice, at our sole discretion.

  • Entire Agreement: These Terms constitute the entire agreement between you and 24HR Pawn Shop & REPAIRS CORP regarding the Site.

  • Changes to Terms: We reserve the right to change these Terms at any time. The most current version of the Terms will supersede all previous versions. We encourage you to review the Terms periodically.

 

10. Contact Information

 

If you have any questions or comments regarding these Terms, please contact us at:

 

24HR Pawn Shop & REPAIRS CORP

554 Southern Blvd Bronx, NY 10455

Email Address: info@24hrpawns.com

Telephone number: (347) 474-8980

How Our Loan Process Works

347-474-8980

554 Southern Blvd Bronx, NY 10455 

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Hassle ​Free Pickups 

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​No scheduling necessary for redemptions. Just show up during regular pickup times.

Monday - Fridays 10am to 7PM 

Saturday - Sunday 10am to 4PM 

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No need to call days before, now with 24hr pawns pickups are stress free. 

  • The minimum period for repayment of an AML loan is 61 days and the maximum period of repayment is 120 days or longer if you renew your AML loan.

  • You are not required to pay back the full loan amount for the first 120 days. If you pick up your loan the same day, you have to pay 1 month of interest (2.5%) for the purpose of securing and storing items in a vault.

  • Loans can be paid-off at any time during the loan term at no extra charge.

  • We will only charge for time in which the loan had a balance outstanding.

  • We do not charge interest on the interest amount added to the loan.

  • The Maximum Annual Percentage Rate (APR) for our AML Loans is 30%.

  • Here is an example of the total cost of an AML loan. If you borrow $100 for 120 days (4 months) at our monthly interest rate of 2.5% you would pay a total of $10 in interest for a total of $110.

  • All items will be returned to the borrower in the exact condition received after the loan balance has been paid in full. We hold the right to sell the collateral if the borrower fails to repay the loan as agreed.

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* The Maximum Annual Percentage Rate (APR) and the loan example provided are representative illustrations only. The actual interest, fees, and total cost of your loan will be detailed in your binding Loan Agreement and will depend on the specific loan amount and term you choose

 

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