Pawn Shops Ham Lake

Ham Lake residents often turn to pawn shops for quick cash or to buy discounted goods. Common items pawned or sold include jewelry, electronics, and power tools.

Ham Lake, MN has 1 pawn shops in our directory. Top-rated options include Pawn America.

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Pawn America

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701 W Main St, Anoka, MN 55303, United States

+1 763-323-0004 Website

pawn loansselling goldselling gemspawn or sell jewelrytrade-in programtrade-up jewelry program

4.9(612)

What Ham Lake 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.

Minnesota Pawn Shop Regulations

Interest Rate3% per month (36% APR) plus reasonable storage/service fee (up to $20/month)

Redemption Period60 days from date of pawn transaction

Regulated ByLocal Municipalities (city/town level licensing)

Minnesota pawnbrokers are regulated under Chapter 325J. Interest and fees exceeding permitted amounts are void and uncollectible. If full payment is made more than 2 weeks before monthly date, half that month charge must be remitted. Vehicle pawns require 90-day wait.

Tips for Visiting Pawn Shops in Ham Lake

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

What can I pawn in Ham Lake?

Common items include gold jewelry, electronics, and tools.

Which pawn shops in Ham Lake are well-reviewed?

Check out Pawn America for a well-reviewed option.

How much can I get for gold?

Offers vary by weight, purity, and current prices. Pawn shops typically pay below spot value - get multiple quotes to compare.

What ID do I need?

Valid government-issued photo ID (driver's license, passport, or state ID).