Pawn Shops Ponca City

Ponca City has a few solid pawn shops for quick cash or discounted items. Gold, electronics, and tools are commonly pawned or sold here.

Ponca City, OK has 3 pawn shops in our directory. Top-rated options include US Pawn & Trading Company, LLC and Big Hill Trading Company and Pawn.

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Big Hill Trading Company and Pawn

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510 N 1st St, Ponca City, OK 74601, United States

pawn loansselling itemsshoppinggold buying
4.5(18)

US Pawn & Trading Company, LLC

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821 S 4th St, Ponca City, OK 74601, United States

4.0(36)

Ponca Pawn

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212 S Pine St, Ponca City, OK 74601, United States

3.3(12)

What Ponca 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.

Oklahoma Pawn Shop Regulations

Interest Rate20% per month (≤$250); 15% ($250-$500); 12.5% ($500-$1,000); 10% ($1,000-$2,500); 7% ($2,500-$25,000)
Redemption Period30 days after maturity date
Regulated ByOklahoma Department of Consumer Credit

Oklahoma Pawnshop Act (Title 59, §§1501-1515) requires licensure with $5,000 surety bond and $25,000 minimum net assets. Pawnbrokers cannot make loans on pistols to persons under 21. Maximum loan is $25,000. Daily law enforcement reporting required.

Tips for Visiting Pawn Shops in Ponca 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

What can I pawn in Ponca City?

Common items include gold, electronics, and tools.

Which pawn shops in Ponca City are well-reviewed?

Check out Big Hill Trading Company and Pawn and US Pawn & Trading Company, LLC for reliable options.

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).

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