Pawn Shops St. Cloud

St. Cloud has a solid selection of pawn shops for buying, selling, or getting loans. Gold, electronics, and tools are some of the most common items people bring in.

St. Cloud, MN has 2 pawn shops in our directory. Top-rated options include Pawn America and maX it PAWN (2119 West Division Street, St Cloud).

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Pawn America

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2550 W Division St, St Cloud, MN 56301, United States

+1 320-202-1399 Website

pawn loansselling itemsbuying itemstrade-in programtrade-up jewelry program6 month exchange program

4.9(1059)

maX it PAWN (2119 West Division Street, St Cloud)

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2119 W Division St, St Cloud, MN 56301, United States

+1 320-257-0941 Website

pawn loansinstant quoteonline shoplayawayflexible payment optionsproduct protection plan

4.7(601)

What St. Cloud 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 St. Cloud

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 St. Cloud?

Common items include gold jewelry, electronics like phones or laptops, and tools.

Which pawn shops in St. Cloud are well-reviewed?

Check out Pawn America and maX it PAWN 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).