Pawn Shops Bay City

We're still adding Pawn Shops in Bay City. Check nearby cities or come back soon. Bay City has a solid selection of pawn shops for a city of its size.

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What Bay City Pawn Shops Accept

✓ Gold jewelry & watches
✓ Electronics (phones, laptops, tablets)
✓ Power tools (DeWalt, Milwaukee, Makita)
✓ Gaming consoles (PS5, Xbox, Nintendo)
✓ Musical instruments
✓ Firearms (where permitted)
✓ Designer items

Acceptance varies by shop. Call ahead for specialty items or large quantities.

Michigan Pawn Shop Regulations

Interest Rate3% per month (36% APR) plus $3/month storage fee

Redemption Period90 days (3 months)

Regulated ByLocal Government Chief Executive Officer (city/town level)

Michigan pawnbrokers are regulated under Act 273 of 1917 (MCL 446.201-446.219). Interest exceeding 3% per month renders the loan void—borrower owes nothing and pawnbroker must surrender item. Storage fees of $3/month and usage fees of $1/month permitted.

Tips for Visiting Pawn Shops in Bay City

1.Get quotes from multiple shops before deciding
2.Know your item's value - check eBay sold listings first
3.Bring valid government-issued ID (required by law)
4.Ask about interest rates and total repayment amount upfront
5.Keep your pawn ticket in a safe place
6.Ask about the redemption period and any grace periods
7.Ask if they report to credit bureaus (most don't)

Frequently Asked Questions

How many Pawn Shops are in Bay City?

We're currently adding Pawn Shops in Bay City. Check back soon or browse nearby cities.

What do Pawn Shops in Bay City accept?

Bay City Pawn Shops typically accept gold and jewelry, electronics, tools, musical instruments, and other valuables. Each shop has different specialties - call ahead for specific items.

What percentage do Pawn Shops pay in Bay City?

Pawn Shops in Bay City typically offer 40-60% of an item's resale value for purchases, or 25-50% for pawn loans. Gold is usually priced at 40-60% of spot price. Get multiple quotes.

How long do I have to repay a pawn loan in Michigan?

In Michigan, the redemption period is 90 days (3 months). Interest rates are capped at 3% per month (36% APR) plus $3/month storage fee. Always ask about extensions.