Frequently asked questions
To obtain a loan, you will need collateral and a passport. The borrower must be at least 18 years old. The collateral evaluation takes no more than 10 minutes, and you will receive the cash immediately afterward.
You can claim your deposit using any form of identification (ID card, passport, driver’s license). If you do not have any form of identification, you must contact the public services office and obtain a temporary ID card
Precious metal items are accepted as collateral. Equipment: laptops, phones, computers, tablets, and home appliances. Your collateral is appraised on the spot by our loan specialist, who will immediately provide you with the estimated value, the loan amount, and the interest rate following the inspection.
Yes, of course. Your credit history doesn t matter in this case.
Absolutely. All items in storage are insured, and the pawnshop bears full financial responsibility for their safety.
Unlike banks and microfinance organizations (MFOs), pawnshops are not required to report loan information to credit bureaus, so a loan from a pawnshop will not affect a customer’s credit history in any way.
There are no hidden fees or charges at our pawnshop. In the event of a late payment, interest continues to accrue at the rate specified on the security ticket.
You may repay the loan earlier than the term specified in the mortgage loan agreement. In this case, the interest rate will be recalculated according to the pawnshop’s interest rate table. There are no penalties or fees for early repayment.
No problem! We will hold onto your security deposit for another 30 days, while interest continues to accrue at the rate indicated on your security deposit receipt. You may also make a partial repayment of the interest on the loan.
Yes, after the payment deadline, you will receive a reminder text message
Yes, of course, payments can be made through the oplata.md system, via Bpay terminals, the MAIB mobile banking app, or MAIB terminals.
Yes, someone else can pay the interest and even repay the loan on your behalf, but you must be present in person to receive the pledged valuables
We guarantee the complete confidentiality of our customers data.
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