EZ Pawn Corp New York, NY — Family-owned pawnbroker with 17 NYC locations offering collateral-based loans, jewelry appraisal, and retail sales since 1996.
Data compiled from public sources · Google rating shown when a stored review count is available
EZ Pawn Corp is a family-owned pawnbroking business established in 1996 by David Kaminsky, continuing a three-generation legacy that began when his father Martin founded Gem Pawnbrokers in Brooklyn in 1947. The company operates 17 conveniently located stores throughout New York City and positions itself as a community-focused financial institution built on integrity and with trust signals to verify transactions.
The company offers collateral-based loans where customers bring items of value for appraisal by knowledgeable loan officers, receiving cash immediately upon agreement. Their loan calculator advertises a 4% monthly rate (48% APR), with the company noting that fees are subject to change and may include storage and handling charges. For military members on active duty and dependents, they offer 36% APR in compliance with the Military Lending Act. Beyond lending, EZ Pawn Corp operates a retail business buying and selling used merchandise, particularly jewelry and electronics.
EZ Pawn Corp distinguishes itself through multi-generational family ownership, emphasis on customer service quality, and community involvement. The company partners with charities including the Kiss Cares Coat Drive and NYC AIDS Walk. They maintain an educational presence through blog content addressing pawnshop misconceptions and processes. Customer testimonials highlight competitive pricing, professional service, and knowledgeable staff, particularly regarding jewelry evaluation.
As a pawnbroker, EZ Pawn Corp serves customers needing short-term bridge loans but operates in a high-interest lending space. Borrowers should be aware that failure to reclaim pawned items results in loss of collateral, and the 4% monthly rate compounds significantly over time. The company's expansion to 17 locations and positive media coverage (CBS 2 New York, New York Times) suggest operational stability, though customers should carefully understand all fees before borrowing.
This is state-level context for Pawn Shops consumers in New York, 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 10 services including Collateral-based pawn loans with immediate cash disbursement, Item appraisal by knowledgeable loan officers, Buy and sell used merchandise (jewelry, electronics, watches), Free loan estimate calculator for cost transparency, Loan agreements and documentation, and 5 more.
EZ Pawn Corp has profile signals associated with Customers needing emergency-cash timing to verify and willing to pledge valuable collateral temporarily, People with poor credit or no credit access who may not meet traditional bank-loan criteria, Military personnel on active duty seeking lower-rate collateral loans (36% APR), NYC residents with valuable items (jewelry, electronics, watches) they can temporarily pledge.
Key strengths: short-term cash access disbursement—customers walk away with money in hand without bank approval delays; 17 conveniently located stores throughout NYC for easy access; Three-generation family legacy (since 1947) demonstrating long-term operational stability. Areas to consider: High interest rate at 4% monthly (48% APR) compounds quickly and becomes costly for extended borrowing; Failure to repay results in loss of collateral with no recourse—items are not recoverable.
In the Pawn Shops category, comparable providers include Big Daddy's Jewelry and Pawn, GEM Pawnbrokers, VICTOR PAWN BROKER Inc.. 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 profile signals for NYC residents facing genuine financial emergencies who have valuable collateral and understand that pawn loans are short-term solutions, not long-term financing. The critical caveat is that the 4% monthly rate (48% APR) becomes high cost beyond a few months, and any failure to repay means permanent loss of your pledged item—making this suitable only for those who can realistically reclaim their collateral within weeks.
Big Daddy's Jewelry and Pawn is a Denver-based pawn shop offering collateral-based loans and jewelry/precious metals buying services.
Google rating from 265 reviews
Profile signals: People with short-term cash needs and valuable jewelry or items to pledge, Individuals without access to traditional credit who own collateral of value
GEM Pawnbrokers New York, NY — GEM Pawnbrokers is a 73-year-old family-owned pawnbroking business operating 28 locations across NYC and Greater NY, offe...
Google rating from 5,472 reviews
Profile signals: Individuals researching short-term cash access with eligibility and income-verification claims to verify, People with high-value luxury items, watches, or electronics they're willing to use as collateral
Review this provider profile and compare source-linked details before choosing what to do next.
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to EZ Pawn Corp and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.