Extra Cash Pawn logo

Extra Cash Pawn

3.9/5

Extra Cash Pawn operates three Oklahoma City locations offering collateral-based loans on jewelry, firearms, musical instruments, and general merchandise with same-day funding.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Extra Cash Pawn Review

Extra Cash Pawn is a multi-location pawn shop operating in Oklahoma City with three retail locations on MacArthur Boulevard, Hefner Road, and Western Avenue. The business has been established to serve customers seeking quick access to cash through collateral-based lending arrangements. The company emphasizes a professional, clean, and secure environment as a differentiator in the pawn shop industry.

Extra Cash Pawn's primary services include short- and long-term pawn loans on a wide range of merchandise categories. They specialize in designer and custom jewelry, gold, firearms and accessories, musical instruments, and brand-name merchandise. The company also buys and sells items directly, operates an online store with curbside pickup options, and offers a MobilePawn app for customers to renew loans and make layaway payments. All three locations maintain consistent hours: Monday-Friday 9am-6pm, Saturday 9am-6pm, and Sunday 12pm-5pm.

The company distinguishes itself through claims of maintaining "the cleanest pawnshop," emphasizing a friendly and safe environment, and offering a wide variety of brand-name merchandise at discounted prices. They promote confidentiality and convenience in their lending process. The addition of an online shopping platform with curbside pickup and a mobile app for loan management represents efforts to modernize the traditional pawn shop model.

As a pawn shop, Extra Cash Pawn provides short-term liquidity through collateral-based loans rather than traditional credit products. Customers must own items of sufficient value and be willing to pledge them as collateral. The company does not disclose interest rates, fees, loan terms, or other financial details on their website, which is typical for the pawn shop category but limits transparency. This is a legitimate financial service for those needing immediate cash without credit checks, though it requires surrendering personal property temporarily or permanently.

Services & Features

Pawn loans on designer and custom jewelry
Pawn loans on gold and precious metals
Pawn loans on firearms and accessories
Pawn loans on musical instruments
Pawn loans on brand-name merchandise
Direct purchase and sale of merchandise
Short-term and long-term loan options
Online shopping platform at shop.extracashpawn.com
Curbside pickup for online purchases
MobilePawn app for loan renewal and payment management
Layaway payment options
In-store consultation and item evaluation

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • Three conveniently located Oklahoma City stores with consistent operating hours and online shopping
  • Accepts wide variety of collateral including jewelry, firearms, musical instruments, and brand merchandise
  • Emphasizes clean, professional, and secure environment per customer testimonials
  • Offers both short- and long-term loan options on collateral
  • MobilePawn app allows customers to renew loans and manage payments remotely
  • Online store with curbside pickup option for added convenience
  • No credit check required for pawn loans

Cons

  • Website provides no information on interest rates, fees, or loan terms, making cost comparison impossible
  • Pawn loans require surrendering personal property, creating risk of permanent loss if unable to repay
  • Limited to Oklahoma City locations only—no statewide or multi-state presence
  • No transparency about redemption terms, storage fees, or what happens to unredeemed items
  • Collateral-based lending structure means loan amounts are restricted by item value rather than borrower need

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
3.5
Ease of Use
3.9

Frequently Asked Questions

Is Extra Cash Pawn legitimate?

Yes. Extra Cash Pawn is a registered company headquartered in 8316 S Western Ave, Oklahoma City, OK 73139. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
8316 S Western Ave, Oklahoma City, OK 73139
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Extra Cash Pawn

CreditDoc Diagnosis

Doctor's Verdict on Extra Cash Pawn

Extra Cash Pawn is best for Oklahoma City residents or visitors who own valuable items and need immediate cash without credit checks or underwriting delays. The primary caveat is that pawn loans require pledging personal property as collateral—if the loan is not repaid, the item is forfeited—and the website does not disclose interest rates or fees, making it impossible to assess the true cost of borrowing before visiting a location.

Best For

  • Individuals needing immediate cash who own valuable items (jewelry, instruments, firearms) and prefer to avoid credit inquiries
  • People seeking short-term liquidity without credit approval requirements
  • Customers looking to buy discounted brand-name merchandise or firearms
Updated 2026-04-01

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