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EZ Pawn Corp Jackson Heights, New York — Family-owned NYC pawn chain since 1996, now 17 locations citywide. Offers collateral loans at 4% per month with...
Data compiled from public sources
EZ Pawn Corp is a New York City-based pawnbroking chain founded in 1996 by David Kaminsky, whose father Martin Kaminsky launched Gem Pawnbrokers in Brooklyn in 1947 after immigrating post-WWII. Now spanning three generations of the Kaminsky family, the business has grown from a single location to one of the fastest-expanding pawn chains in the city, with David's children actively involved in operations including marketing.
The company's core offering is collateral-based pawn lending: customers bring items of value to any of their 17 NYC stores, loan officers appraise the item, and the customer walks out with cash in hand along with a loan agreement. The stated rate is 4% per month. Loan terms run from 1 to 4 months based on the on-site calculator. EZ Pawn also operates a buy/sell retail side, purchasing used goods outright and reselling pre-owned merchandise in-store. In compliance with the Military Lending Act, active-duty servicemembers and their dependents are offered loans capped at 36% APR rather than the standard monthly rate.
What distinguishes EZ Pawn Corp from smaller independent pawn operators is the combination of scale, family legacy, and community presence. With 17 locations spread across New York City's five boroughs, geographic convenience is a genuine asset. The company has received press coverage from CBS 2 New York and The New York Times, and it partners annually with charities including the Kiss Cares Coat Drive and the NYC AIDS Walk. Customer reviews highlight friendly, knowledgeable staff and listed transactions.
For consumers weighing options, EZ Pawn is best approached as a short-term liquidity tool rather than a credit product. The 4% monthly rate equals a 48% simple annual rate, and the loan calculator explicitly warns that fees are approximations and exclude storage, handling, and late charges — meaning the true cost can be higher. There is no indication of an online application or remote appraisal service; borrowers must visit a physical store. The service is geographically restricted to New York City residents.
This is state-level context for Pawn Shops consumers in Jackson Heights, NY. It does not confirm that EZ Pawn Corp or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Short-term lending status: Banned
General rate context: 16% civil usury; 25% criminal usury; payday lending banned
New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS 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.
EZ Pawn Corp offers 11 services including Collateral pawn loans (1–4 month terms), On-site item appraisal and valuation, Immediate cash disbursement against pawned items, Item buyback / loan redemption, Outright purchase of used items (buy/sell), and 6 more.
EZ Pawn Corp has profile signals associated with NYC residents who are researching short-term cash access against jewelry, electronics, or other valuables and plan to redeem the item within 1–4 months, Consumers with poor or no credit who cannot qualify for a traditional personal loan or credit card, People looking to sell used jewelry, electronics, or collectibles outright for short-term cash access, Active-duty military members in NYC who benefit from the legally capped 36% APR rate.
Key strengths: Three-generation family business operating continuously since 1996, with roots back to 1947; 17 NYC locations offer genuine geographic convenience across the five boroughs; Loan rate disclosed upfront: 4% per month, with an on-site calculator to estimate costs before committing. Areas to consider: 4% monthly rate equals ~48% simple APR — significantly more expensive than credit unions, PALs, or personal loans for borrowers who meet provider criteria; Additional fees (storage, handling, late fees) are explicitly excluded from the loan calculator, making true cost opaque upfront.
In the Pawn Shops category, comparable providers include 24hr pawn shop, A-1 Pawn Brokers, Abe Mor Diamonds. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
EZ Pawn Corp is best suited for New York City residents who need a small, short-term cash advance against a physical asset they intend to reclaim within a few months and who have limited access to traditional credit. The main caveat is cost: 4% per month plus undisclosed storage and handling fees make this among the more expensive short-term borrowing options available, and the service is geographically restricted to NYC.
NYC-based pawn shop offering same-day cash for luxury watches, jewelry, diamonds, and electronics with extended hours until 2 AM on weekdays.
Profile signals: Individuals researching short-term cash access for luxury items (watches, jewelry, diamonds) without appointment hassles, Night-shift or late-evening workers who need pawn services outside standard business hours
A-1 Pawn Brokers offers collateral-based loans and direct purchases of valuables including gold, silver, diamonds, and watches with 35+ years of experience.
Profile signals: Consumers with poor or no credit history who are researching short-term cash access and may not meet traditional loan criteria, Individuals with valuable items (jewelry, watches, coins) they're willing to pledge short-term for liquidity
Family-owned diamond and jewelry buyer/seller in NYC since 1954, offering both retail purchases and consignment sales through their online platform.
Profile signals: Jewelry store owners and retailers seeking wholesale diamond inventory with personalized supplier relationships, NYC-based consumers selling inherited diamonds or jewelry who prefer local in-person evaluation
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