Business Details
31 Years
experience
Your Trusted Pawn Shop in Panama City for Loans & Jewelry
Founded in 1995, Dan's Pawn has been a trusted financial partner for Bay County residents, specializing in short-term pawn loans and pre-owned merchandise sales. Our family-owned business prioritizes customer-centric service, offering no-credit-check loans backed by personal property collateral. With 28 years of local expertise, we've weathered natural disasters and industry challenges while maintaining community leadership through charitable initiatives.Our team combines deep industry knowledge with a commitment to ethical practices, providing transparent loan terms and quality-checked retail items. We serve both immediate financial needs and long-term shopping goals through our St. Andrews location, emphasizing trustworthiness through our 10-day purchase guarantee and personalized service approach.
Services
Pawn Loans
Jewelry Sales
Retail Merchandise
Item Appraisals
Layaway Program
Details
- Year established: 1995
Highlights and features
- We offer 28 years of local pawn industry expertise
- Our 10-day guarantee ensures purchase satisfaction
- We provide same-day cash with no credit checks
- We maintain industry leadership through ethical practices
- We combine financial services with quality retail options
Services
Pawn Loans
Secure short-term loans using personal property as collateral. No credit checks required with immediate cash availability. Items accepted include jewelry, electronics, and collectibles. Loan terms allow redemption within specified periods with transparent interest rates. Serving Bay County residents since 1995 with reliable financial solutions.
Jewelry Sales
Offering pre-owned diamonds, gold, and precious metals with quality assurance. Five-step cleaning process ensures product standards. Includes free ring resizing and 10-day satisfaction guarantee. Competitive pricing avoids traditional retail markups of 300-500%. Inventory includes broken or mismatched pieces for cash conversion.
Retail Merchandise
Discounted electronics, tools, and luxury items available for immediate purchase. All inventory thoroughly tested and cleaned before sale. Items priced at 50% off original retail value when not meeting quality standards. 10-day guarantee covers defective returns with full refund option.
Item Appraisals
Professional assessment of jewelry, electronics, and collectibles for cash value. Expert staff researches current market values for fair offers. Services available for both pawn loans and outright sales. Process includes condition analysis and immediate payment options.
Layaway Program
Secure desired items with 10% initial deposit and monthly payments. Up to nine months to complete purchase with no finance fees. Allows partial payments toward merchandise while retaining ownership until final payment. Flexible redemption options available.
Questions
What identification is required for pawn loans?
Valid government-issued photo ID is required for all pawn transactions.
How are loan amounts determined?
Loan values are based on current market prices, item condition, and resale potential.
Can I redeem pawned items after defaulting?
Items become store property if loans remain unpaid beyond agreed terms.
Do you offer price matching for similar items?
We guarantee competitive pricing on all inventory with our 10-day satisfaction policy.
What happens if layaway payments are missed?
Missed payments may result in cancellation with applicable restocking fees.
Are pawn loan interest rates negotiable?
Rates follow state regulations and are applied uniformly to all transactions.
Videos
Reviews (4)
Aaron Rich
May 23, 2022
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Avery and the crew at Dan's Pawn are always top notch. Super helpful staff and a great experience anytime I visit their pawn shop.
Michael Reep
Oct 18, 2021
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Great pawn shop I can say one of the most friendliest pawn shops I've ever walked into. Kathy was so fast to help me to see what I needed and how she can help me. Mark also was very friendly and helped me with selecting a beautiful gold chain that im going to put on lay-away. Also needed a loan they worked with me the best they can I was super satisfied with the loan there were able to give me. As well Monica was very nice, great environment great people. Go to Dan's Pawn - St Andrews.
Gale Hill
Aug 15, 2021
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I love Dan's Pawn Shop! Always a positive experience. I have used several pawn shops in my lifetime and Dan's is by far the best I've had to use. I've always gotten a fair price on whatever I have brought in and have always been treated with respect and the associates are all polite. They're interest rates are great, you don't feel like you're being scalped. They will also call you a day or two in advance to remind you to pay and pickup on your loan items or pay the interest to extend the loan. Dan's is by far the best pawn shop in town. They have some beautiful jewelry and a great numismatics area too. They have a very nice audio/visual area, tools, &etc. Good hours too
Serge Bibeau
May 04, 2021
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Working at Dan's has been a great experience! We really do feel like a family here and do our very best to extend that feeling to our customers. It's an honor to represent Dan's Pawn and serve the great people of Bay County!