Policies

Lay-A-way
Local clientele only and subject to the following rules:

• 20% Down. Balance to be paid in 4 equal monthly payments.
• All payments must be received each 30 day period.
• Customer must notify North Side Loan Office of change of address.
• $5.00 for Lay-A-Way exchange.
• Failure to comply will result in loss of money
  & merchandise.

Loan Terms & Grace Period
Local clientele only

The length of the pawn transaction is 30 days. The pawn transaction can only be renewed within the agreement of both parties and only for 30 day incremental periods.

The finance charge consists of 2% interest and the balance is pawn shop charges.

There shall be a grace period of 10 days. The grace period shall begin running on the first day following the maturity date of the Pawn Transaction or on the first day following the expiration of any extension or continuation of the Pawn Transaction, whichever occurs later.  Pledged goods may be redeemed by the pledgor or seller within the grace period by the payment of any unpaid accrued fees and charges, the repayment of the principal, and the payment of an additional interest/pawn shop charge not to exceed 12.5%. Pledged goods not redeemed within the grace period shall be automatically forfeited to the Pawnbroker.