Extra Cash Gold & Loan logo

Extra Cash Gold & Loan

3.9/5

Multi-location pawn shop in Oklahoma City offering collateral-based loans on jewelry, firearms, musical instruments, and general merchandise with both in-store and online shopping options.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Extra Cash Gold & Loan Review

Extra Cash Pawn operates three locations across Oklahoma City, positioning itself as a pawn shop offering short and long-term loans on personal items. The company emphasizes a professional, clean, and secure environment for customers seeking quick access to cash. Founded with a focus on customer service, Extra Cash Pawn has built a reputation through competitive pricing and a wide variety of merchandise categories.

The company's primary service is providing pawn loans on collateral including gold, jewelry, firearms, musical instruments, and general brand-name merchandise. Customers can also buy and sell items directly. Extra Cash Pawn offers both traditional in-store services and modern conveniences including an online shopping platform (shop.extracashpawn.com), curbside pickup, and a MobilePawn app for loan renewals and layaway payments. Their loan terms are described as flexible, with options for short and long-term arrangements.

Extra Cash Pawn distinguishes itself through operational cleanliness and professionalism—specifically highlighted as "the cleanest pawnshop" by customers. The company maintains consistent hours across all three locations (Monday-Friday 9am-6pm, Saturday 9am-6pm, Sunday 12pm-5pm) and emphasizes confidentiality in transactions. Their product categories span luxury items (designer jewelry), recreational equipment (firearms and accessories), entertainment (musical instruments), and general merchandise, creating a diverse inventory.

As a traditional pawn shop, Extra Cash Pawn's business model relies on collateral-based lending, which means customers must own items of sufficient value to qualify for loans. While the company advertises quick and convenient service, pawn loans carry inherent limitations compared to unsecured personal loans—loan amounts are capped by item value, and failure to repay results in loss of collateral. The company does not publicly disclose interest rates, terms, or specific loan conditions on their website, requiring customers to visit in person or contact locations directly for detailed loan information.

Services & Features

Short-term collateral-based pawn loans on gold and jewelry
Long-term pawn loans on merchandise
Purchase and sale of designer and custom jewelry
Firearms and accessories buying, selling, and pawn loans
Musical instruments buying, selling, and pawn loans
General brand-name merchandise buying and selling
Online shopping platform with curbside pickup option
MobilePawn app for loan renewals and layaway payments
In-store shopping at three Oklahoma City locations
Confidential loan services

Feature Checklist

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

Pros & Cons

Pros

  • Three conveniently located Oklahoma City branches with consistent operating hours
  • Modern digital options including online shopping, curbside pickup, and MobilePawn app for loan renewals
  • Wide variety of merchandise categories: jewelry, firearms, musical instruments, and brand-name goods
  • Customers specifically praise cleanliness and professional environment compared to typical pawn shops
  • Offers both short-term and long-term loan options on collateral
  • Emphasizes confidentiality and security in transactions
  • Allows customers to buy, sell, or pawn items—flexible transaction options

Cons

  • Loan amounts strictly limited by collateral value—not suitable for larger cash needs
  • No interest rates, fees, or loan terms publicly disclosed on website; requires in-person inquiry
  • Collateral-based lending means defaulted loans result in loss of personal items
  • Limited to Oklahoma City locations only—no multi-state or nationwide availability
  • Pawn loans require customers to own valuable items, excluding those without collateral

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 Gold & Loan legitimate?

Yes. Extra Cash Gold & Loan is a registered company headquartered in 2111 W Hefner Rd, Oklahoma City, OK 73120. They hold a NR rating with the Better Business Bureau.

Quick Facts

Headquarters
2111 W Hefner Rd, Oklahoma City, OK 73120
BBB Rating
NR
BBB Accredited
No
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Extra Cash Gold & Loan

CreditDoc Diagnosis

Doctor's Verdict on Extra Cash Gold & Loan

Extra Cash Pawn is best for Oklahoma City residents with valuable collateral who need quick cash and prefer confidential transactions without credit checks. The main caveat is that loan amounts are strictly limited by item value, making this unsuitable for larger cash needs, and customers must be willing to risk losing collateral if unable to repay.

Best For

  • Individuals with valuable items (jewelry, instruments, firearms) who need short-term cash quickly
  • Customers seeking to buy discounted brand-name merchandise or specialty items
  • People who prefer confidential transactions and want to avoid credit checks
  • Those looking to renew existing pawn loans or make layaway payments through mobile app
Updated 2026-04-01

More Lenders in Oklahoma City

World Finance logo

World Finance

Consumer installment lender offering personal loans up to $12,000 and tax preparation services through 1,000+ branches across 16 U.S. states, welcoming bad-credit applicants.

4.3/5
Free BBB: A+

Best for: Borrowers with poor, thin, or no credit history who cannot qualify for traditional bank or credit union loans, Residents of the southeastern or central U.S. who need fast in-person loan approval — often within the same day

A-1 Loan Company logo

A-1 Loan Company

A-1 Loan Company offers signature loans up to $2,000 with rapid funding in 30 minutes or less and no checking account required. First loans are interest-free if paid within 30 days.

3.9/5
Contact BBB: NR

Best for: Borrowers with poor or no credit history seeking fast personal loans under $2,000, Individuals without a checking account who need quick cash

Absolute Finance logo

Absolute Finance

Oklahoma-based personal loan lender offering signature loans up to $3,100 with approval in 30 minutes or less. Serves borrowers building/rebuilding credit with local, personalized service.

3.9/5
Contact BBB: NR

Best for: Oklahoma residents needing $1,000–$3,100 for emergency expenses or unexpected costs, Borrowers with poor credit or no credit history seeking quick approval and personal service

Financial Wellness Guides

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Extra Cash Gold & Loan and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.