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Extra Cash Pawn operates three Oklahoma City locations offering short and long-term pawn loans on jewelry, firearms, musical instruments, and brand-name merchandise with same-day funding.
Data compiled from public sources
Extra Cash Pawn is a multi-location pawn shop operator based in Oklahoma City with three retail locations serving the surrounding area. The company has established itself as a traditional collateral-based lender, accepting items of value as security for loans rather than requiring credit checks or income verification. Their business model centers on providing quick access to cash for customers who need immediate funds, positioning themselves as an alternative to traditional lenders for those facing financial constraints or time-sensitive cash needs.
The company's service offerings span multiple merchandise categories including designer and custom jewelry, firearms and accessories, musical instruments, and general brand-name products. Extra Cash Pawn explicitly advertises both short-term and long-term loan options on collateral items, suggesting flexible repayment structures. They have modernized their operations with a mobile app (MobilePawn) that allows customers to renew loans and make layaway payments remotely, and offer online shopping with curbside pickup through shop.extracashpawn.com. All three locations operate extended hours including Sunday service (12pm-5pm), indicating convenience-focused service design.
Extra Cash Pawn differentiates itself through emphasis on store cleanliness, professional staff conduct, and customer service quality—themes repeated throughout their website marketing. Customer testimonials highlight the facility's cleanliness as a distinguishing factor compared to other pawn shops. The company also highlights the breadth of merchandise categories available, positioning themselves as a one-stop option for both borrowing against collateral and purchasing discounted brand-name goods. Their three-location network provides geographic convenience across Oklahoma City.
As a pawn shop, Extra Cash Pawn operates within a lending model that inherently carries limitations and considerations. While pawn loans avoid credit reporting and traditional underwriting, customers must own items of sufficient value to borrow against, and loan amounts are determined by collateral value rather than borrowing needs. The company's website does not disclose interest rates, fees, or loan terms, which is typical but important for consumers to understand before engaging. This service is best suited for individuals with valuable items to pledge who need immediate cash and have the ability to retrieve their items within the loan period.
This is state-level context for Pawn Shops consumers in Oklahoma City, OK. It does not confirm that Extra Cash Pawn or this specific location is licensed.
State regulator
Oklahoma Department of Consumer Credit
Consumer protection
Short-term lending status: Legal
General rate context: 6% default rate; payday loans capped at $500 with $15 per $100 fee for first $300
Oklahoma allows payday lending with a $500 cap and tiered fee structure. Borrowers are limited to two outstanding loans at a time. The Department of Consumer Credit regulates lenders, and complaints can be filed with the Department or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Extra Cash Pawn offers 11 services including Short-term pawn loans on jewelry and gold items, Long-term pawn loans on merchandise and collateral, Designer and custom jewelry sales at discount prices, Firearms and accessories sales (new and used), Musical instrument buying and selling, and 6 more.
Extra Cash Pawn is best suited for Individuals with valuable items (jewelry, instruments, firearms) who need immediate cash for short-term needs, Customers with poor credit or no credit history who cannot qualify for traditional personal loans, People seeking quick same-day funding without undergoing credit checks or income verification, Bargain shoppers looking to purchase discounted brand-name merchandise and firearms.
Key strengths: Three convenient Oklahoma City locations with extended hours including Sunday service (12pm-5pm); Mobile app (MobilePawn) enables remote loan renewal and layaway payments without store visit; Accepts diverse collateral types: jewelry, firearms, musical instruments, and brand-name merchandise. Areas to consider: No interest rates, fees, or loan terms disclosed on website—critical pricing information unavailable to prospective borrowers; Pawn model requires customers to own items of sufficient value; not accessible to those without collateral.
In the Pawn Shops category, comparable providers include 102 Pawn, Big Hill Trading Company and Pawn, Big K Pawn Shop. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Extra Cash Pawn is best for individuals with valuable items who need immediate cash and cannot or prefer not to use traditional credit products. The critical caveat is that loan terms, interest rates, and fees are not disclosed on their website—customers must visit a location or call to understand the true cost of borrowing, and should verify these terms align with their financial situation before pledging items.
102 Pawn in Shawnee, OK offers pawn loans, buys items in good condition, and sells new and used goods including firearms, ammunition, and outdoor accessories.
Best for: Shawnee, Oklahoma residents needing quick collateral-based loans, Customers who appreciate text reminders and personalized item alerts to manage pawn transactions
Big Hill Trading Company & Pawn in Ponca City, OK offers collateral-based loans, item sales, and gold buying with experienced staff and a judgment-free environment.
Best for: Individuals needing immediate cash and possessing valuable collateral (jewelry, electronics, instruments, firearms), Bargain shoppers seeking discounted secondhand merchandise and unique items
Big K Pawn Shop offers collateral-based lending through pawn transactions. Limited website information available; appears to be an early-stage or minimally developed online presence.
Best for: Consumers who own valuable items and need immediate cash without credit checks, People seeking short-term collateral-based loans rather than unsecured debt
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