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Kempsville Pawn Shop in Virginia Beach, VA
Family-owned Virginia Beach pawn shop offering collateral-based cash loans, gold & gun lending, and resale of gently used merchandise since 1991.
Data compiled from public sources · Rating from CreditDoc methodology
Kempsville Pawn Shop Review
Kempsville Pawn Shop is a family-owned and operated pawn business located in Virginia Beach that has been in operation since 1991. The company is now in its third generation of management and positions itself as an established, trustworthy alternative to traditional lending for consumers needing immediate cash. The shop has built its reputation on lending against high-value collateral, particularly gold and firearms, while also maintaining inventory for retail resale.
The company offers three primary services: pawn lending (collateral-based cash loans), retail sales of pre-owned merchandise at discounted prices, and purchasing/trading of items directly from customers. They market their lending service with the tagline "Get In. Get Cash. Get Out," emphasizing speed and simplicity. The website indicates they claim to "loan the most," suggesting competitive loan-to-value ratios. They explicitly advertise no credit checks required and same-day funding. Additionally, they offer gun transfers as a specialized service.
Kempsville Pawn differentiates itself through longevity (25+ years in business), multi-generational family ownership, and claimed expertise in gold and firearms valuation. They position their retail inventory as "one of the largest selections of gently used, brand name items" priced at approximately half retail value, with an emphasis on quality and a stated return policy. Their marketing emphasizes trust and customer service, featuring customer testimonials praising service and atmosphere.
As a pawn shop, this business serves the collateral lending market, which involves inherent limitations and risks. While the website does not disclose interest rates, fees, or redemption terms, these are critical factors for consumers considering pawn loans. The lack of credit requirements is convenient but reflects the asset-based nature of the transaction rather than creditworthiness assessment. Like all pawn operations, failure to repay and reclaim collateral results in permanent loss of the pledged item.
Services & Features
Cash loans with no credit checks required
Collateral-based lending with competitive loan-to-value terms
Gold buying and valuation
Gun transfer services
Item appraisal services
Pawn loans on firearms and guns
Pawn loans on gold and jewelry
Purchase and trade-in of customer items for cash
Retail sales of pre-owned merchandise
Return policy on retail purchases
Same-day or rapid funding for collateral loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Family-owned with three generations of experience and 25+ years in business, suggesting established reputation and expertise
- No credit checks required for loans, making access available to consumers with poor or no credit history
- Same-day cash funding with a fast, straightforward process ("Get In. Get Cash. Get Out")
- Retail inventory of gently used items priced at approximately half retail value, offering significant savings for budget-conscious shoppers
- Specialized services including gun transfers, indicating expertise with high-value regulated goods
- Competitive loan-to-value terms marketed as "loan the most," suggesting favorable collateral lending rates
- Return policy on retail purchases, reducing risk for customers buying pre-owned merchandise
Cons
- Website does not disclose interest rates, fees, loan terms, or redemption periods, making it impossible to compare value before visiting
- Pawn loans result in loss of personal property if not repaid, creating financial and emotional risk beyond traditional debt
- No information provided about licensing, regulatory compliance, or oversight, limiting transparency about business legitimacy
- Marketing claims like 'loan the most' and 'best at the beach' are subjective and unsubstantiated; no comparative pricing data provided
- Limited accessibility information (hours, exact address, phone number not visible in header content), requiring additional research to contact or visit
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Kempsville Pawn Shop legitimate?
Yes. Kempsville Pawn Shop is a registered company, headquartered in 1007 Kempsville Rd, Virginia Beach, VA 23464.
Quick Facts
- Headquarters
- 1007 Kempsville Rd, Virginia Beach, VA 23464
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Kempsville Pawn Shop
Kempsville Pawn Shop is best for consumers with valuable collateral (gold, firearms, electronics) who need immediate cash and lack access to traditional credit due to poor or no credit history. The main caveat is that pawn loans result in permanent loss of pledged property if not repaid, making them a high-risk financial option; customers should carefully compare loan terms, interest rates, and fees (not disclosed on website) before committing collateral.
Best For
- Consumers with poor credit or no credit history who need immediate cash for emergencies and have valuable collateral to pledge
- Budget shoppers seeking gently used brand-name merchandise at significant discounts (40-50% off retail)
- Gun owners and collectors who need firearms transfer services or appraisals in the Virginia Beach area
- Individuals seeking short-term cash without credit checks or lengthy approval processes
Updated 2026-04-29
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