Pawn Loans


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Get Pawn Loans with Lending Bear


If you need cash now, a pawn loan is a great way to borrow money with no credit check. There are lots of different items you can use to receive a pawn loan like jewelry, TVs, tools, guns, electronics, musical instruments, lawn equipment, and almost anything of value that you’d like to borrow against.  Lending Bear always gives our best offer up front and we always try our best to get you the cash you’re looking for so there is never a need to haggle or bargain at the counter.  We want the pawn process to meet your needs and exceed your expectations! 

Why choose Lending Bear for a Pawn Loan?


We Pay Top Dollar

Nobody will give you more for your items. We want your business!


Lending Bear has an A+ rating from the Better Business Bureau and is a proud member of the National Pawnbrokers Association. Still not convinced? Check out our many thousands of 5-star customer reviews!

Hassle Free

We work hard to get you the cash you need right up front. We don’t play games. All you get at Lending Bear is honest, fair dealing.

Industry Leading Customer Service

Our simple, straightforward pawn process and our commitment to excellent customer service makes us the best choice for obtaining a pawn in Florida, Georgia, and Alabama.

30 Years of Experience

Since 1990, Lending Bear (formerly Speedy Cash) has worked with customers just like you to get you the cash you need when you need it.

Pawn Loan FAQ

is a pawn loan from lending bear right for you?

What is a Pawn Loan?

A pawn loan is a fast and easy way to get a loan on an item you already own. With no credit check! Loans are based on the value of the item you bring in. Depending on state law, a pawn loan generally has a term of 30 days.

What if I can’t pay back the loan in time?

Lending Bear offers extensions based on state law. Alternatively, you may transfer the collateral to us as payment in full.

What is a pawn loan extension?

If you are eligible for an extension on your loan, you must pay a portion of the outstanding interest owed before the extension is granted.

What happens to my items if I don’t return to the store?

If you don’t return to the store within the prescribed time line and no extension has been granted, ownership of the item reverts to Lending Bear.

What kind of items can be used for a pawn loan?

Lending Bear offers pawn loans on a wide range of items including jewelry, tools, guns, electronics, musical instruments, lawn equipment, or almost anything else of value that you’d like to borrow against. Please be sure to bring a valid picture ID with you to complete the transaction.

Do you accept guns for pawn loans?

Lending Bear accepts guns and we are registered as a firearms dealer in compliance with all federal regulations. For further security regarding firearm storage, Lending Bear adds cable locks to every firearm and we provide law enforcement with information concerning every transaction ensuring that only legitimate firearm transactions are processed.

How long does Lending Bear keep my item safe and secure?

Lending Bear keeps pawned items in a secure location at our stores. Lending Bear stores are fully insured for the loan value of the collateral we keep in our premises

What is my item worth?

Each item is evaluated based on a number of factors including the condition of the asset and the approximate market value among other factors. Typically, items that are in better condition and working order will fetch a higher loan. The value of items such as jewelry and gold are based on visual inspection, weight, size, karats, and other factors.

Do I have to bring my item into the store for evaluation?

All items must be physically inspected in order to determine the value for the pawn loan.
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Lending Bear Has
22 Store Locations


At Lending Bear, we understand that people occasionally need fast cash for any number of reasons. We’re here to help.

We’re rapidly becoming the short-term lender of choice in Alabama, Florida, and Georgia.

Our loan process is fast and friendly: you can get a loan in 15 minutes. We are fair & responsible and are a state-licensed direct lender.

Worried about bad credit history? It’s okay! We’re here to help. Apply online or come in to one of our 22 locations.

Over 5,000 5-Star Reviews!

We Care About Our Customers and It Shows

Staff is always professional and friendly, they really make me feel like family. Great experience every time I go or when they call me as well. Thank you!!!!!

Joan M.

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Great group of people. Very personable and always there to help. Keep the office extremely neat and clean. Will continue to refer friends and family!

Jason F.

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Best experience could possibly have during a hard time in life. It’s not easy being down on our luck and needing a little help before our paycheck comes. But Amanda makes it simple and shows no judgement. She’s very understanding and that’s why she does what she does. We always go back to her if we need a little extra help that month before we get paid. I definitely recommend her store.

Traci P.

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Great atmosphere, amazing service and AWESOME people. They helped me a great deal and the whole making me feel welcome. Thank you ladies so much and I'll definitely be back if I need help again.

Mark O.

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Very personable and they make the process of relieving a financial setback very smooth. Would definitely recommend to my friends and family.

Jay W.

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