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FAQ (Frequent Questions)

Are you currently hiring?

We are always looking for talented and enthusiastic people to join our team! Send your résumé to info@Familyfco.com. For more information about available job openings, contact your nearest La Familia store and ask about the application process.

How does a pawn work?

A “pawn” is a cash loan that is given in exchange for collateral, like jewelry or a TV set. It is a simple and fast way of getting money without having to sell your property, which you can recover once the loan is repaid.

Just bring any item that you own to your nearest La Familia store and one of our expert associates will evaluate the item to ensure that it is in good condition. He or she will work with you to get you the money you need, in just minutes. Your merchandise will remain stored at La Familia (jewelry is stored in our secure safes) until the loan is repaid.

A pawn loan has a 30-day term limit, but you can extend this as long as the monthly minimum payment is met. If at any moment you cannot make a payment, the merchandise becomes our property and will be sold in our stores. No collection agencies will be involved in recovering the money and your credit will remain intact. It’s that easy.

La Familia is in full compliance with Pawn Statute 539 and inspected by the Florida Department of Consumer Services.  Any La Familia associate will happily answer your questions.

How much money can I take out as a loan?

There is no limit! We can loan any amount, depending on the value of the item or items that are put up as collateral.

How many loans are repaid at La Familia?

We have a loan repayment rate of over 80%, which means that a large number of people pay their debt on time and recover their pawned items.

I have a low credit score. Can I take out a loan?

Of course. Pawn loans do not involve credit checks.

How much money can I get for the item I pawn?

It all depends on the item, as we pawn jewelry and electronics, among other items. For example, in the case of electronic items such as TVs, we verify them to make sure that they work well and evaluate its overall condition. The loans we issue are based on the value of each item. Remember: Our main goal is to help our customers and we will do everything we can to work with you and help you get the money you need.

What happens if I don’t comply with the terms of the loan?

Loans have a 30 day term limit.  In order to remain active, loan may be extended every 30 days. If payments are not received during the 30 day period, item(s) become property of La Familia and may be made available for sale.

I cannot repay my loan. Do I owe interest or additional charges?

Failure to repay a pawn loan does not entail additional consequences outside of loss of the item that was pawned or given as collateral. Should you need money in the future, you can come to La Familia and count on us to once again help you out, no questions asked.

What is your returns or refunds policy?

Exchanges or returns must be made within 24 hours of the date of purchase and with original receipt.  If an item for exchange is not found, we will gladly refund your money honoring the same method of payment used to purchase.  The following items are not eligible for exchanges or returns: tools, videogames, Blu-Ray, DVD or CD discs, merchandise sold as wholesale, liquidated, as-is or damaged; these types of sales are final and are not under warranty, cannot be returned or exchanged.

Are the products you sell covered by warranty?

Of course they are! You can buy with confidence. If the item you buy exhibits any kind of imperfection within the first 24 hours from purchase, bring it back to the store and we wil gladly exchange it for something similar.  If we do not have something to your satisfaction we will refund the purchase price amount.  Also, we offer extended warrantees of up to 6 months, starting at just $5.00. See the Service section for more information.

Certain restrictions apply, so please ask at your nearest store to get all the details.

How can I find out about upcoming sales and promotions?

It is very important for us to stay in touch with you. We have a Facebook page that keeps you up to date on all La Familia news.

Be sure to keep your phone number and email updated on your account and give us permission to send you text messages.

Do you offer services other than pawn and sales?

Yes we do! We offer jewelry cleaning and repair, as well as Western Union and check cashing in some locations. You can check out our complete service menu by clicking on the Services tab. We also have a very popular Layaway Program and we announce a variety of promotions and special offers throughout the year, such as “Christmas in July” and “Deals of the Week.”

Is it true that most of the items in a pawn shop are stolen?

This is a common misunderstanding about the pawn industry and is completely false. Less than 0.02% of all pawn shop transactions involve stolen merchandise. We are in full compliance with the requirements of the government entities that regulate us.

What happens if something that was stolen from me shows up in one of your stores?

We are committed to our community and we have a set of procedures designed to help victims of robbery easily recover their stolen items. If a stolen item makes its way to one of our stores and is identified as such by the authorities, we will return it at no cost to you, on the condition that you agree to press charges.

Can’t I simply sell you my item instead of pawning it?

Absolutely! Retail sales are a large part of our business. We are always interested in obtaining new merchandise in our stores.

What kind of items do you accept?

Even though a large part of our transactions involve jewelry and electronics, we buy just about anything! Visit any of our stores and you’ll see our wide variety of merchandise, from video games to musical instruments and even gardening equipment.