When you bring in a piece of jewelry or other item to Empire, that property is professionally appraised. If you choose to take a loan out instead of sell it (otherwise known as pawning it), the item becomes collateral against the loan, and you receive cash against that collateral. We offer cash at high value for the item, very competitive loan terms, and you will not be put through a credit check. Once it is repaid, you’ll receive your property back in pristine condition. However, if you don’t repay the loan within the time set forth in the terms, the collateral then becomes the property of the pawn broker. To view Empire’s loan terms, click here.