Used-A-Bit Sales and Pawn – Fargo-Moorhead s source for pawn and payday loans, auto pawn.#Auto #pawn


your friendly neighborhood pawn shop.

our mission

come see our great selection of products

At Used-A-Bit, we sell just about everything! We pride ourselves on the quality selection of new and used merchandise displayed within our stores. From the coolest gadgets to a unique piece of history, you can find it all at Used-A-Bit! Some of the most popular items we sell includes tools, jewelry, electronics, firearms, TVs, movies, video games, musical instruments, collectibles, sporting goods, motorcycles, and more. We value our customers which is why we offer a 15 day money back guarantee on almost all purchases. You can be sure you’ll always get a great deal when shopping at Used-A-Bit!

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fast and friendly service.

sell and loan with people you can count on

What is it?

Pawn Loans are equity loans in which a customer brings in an item of value and borrows money against it. Our loans range in size from $5.00 to $10,000.00! We loan money on just about anything!

Advantages of a pawn loan from Used-A-Bit:

  1. All pawned items can be redeemed within the first ten days of the loan for a discounted 10% fee. Loans above $1,000.00 have a 15% fee for 30 days.

  • We hold your pawned item for 30 days past the due date. If you want your item back, we can make arrangements to ensure you get it back.

  • Larger loans are available for Vehicles, ATVs, Snowmobiles, Motorcycles, Boats, and RVs.

  • One of the biggest advantages of this type of loan is that it is easy. You are simply going to have to take something in that you can use for collateral and fill out some paperwork. The pawn shop is then going to give you a receipt that has the terms of the loan on it. You don’t have to wait for loan documents to process, you are given cash right away while you are in the store!

  • There are no credit checks and this type of loan does not depend on your credit history. The loan is secured by your item. Likewise, if you default on your loan, your item is sold by the pawnshop and there is no negative effect on your credit score.

  • When you pawn your valuable item for cash, you do not lose your ownership over it. You can redeem your item as soon as you repay the loan.

    What is it?

    Used-A-Bit loans cash on most vehicles. We also pawn on motorcycles, scooters, atvs, industrial vehicles, boats, and trucks. All vehicles and vessels must have a valid title with no outstanding liens on them. Bring in your vehicle with the title and any other included paperwork along with your drivers license or ID.

    What is it?

    Payday Loans are short term cash loans to help cover unexpected expenses like auto repairs, family emergencies, or just to bridge a gap between paychecks. Payday Loans at Used-A-Bit are EASY to obtain and are much less expensive than returned check fees and late fees from credit card or utility companies.

    Requirements for a payday loan:

    1. Proof of Income: Pay Stub (most recent) or Bank Statement Showing Deposits.
    2. Proof of Checking: Bank Statement (most recent or electronic proof of checking)
    3. Proof of Residence: Bank Statement with name and physical address or utility bill with your physical address
    4. Photo Identification
    5. A Working Phone
    6. An active checking account that has been open at least 30 days.

    How it’s done

    We will review your information and if you qualify we can loan you an amount from $50.00 to $500.00. Once the loan amount is established, a check will be written for the amount of the loan plus the service fee for the loan. The loan will be due 15 to 20 days from the day it originated. Longer terms are available depending on how often you are paid. A loan can be renewed once by paying the service fee in cash. The loan must be paid in full no later than 60 days from the date that it was originally taken out. If a loan is payed off in cash you can save 25% off the service fee. If you do not wish to pay in cash we will deposit your check on its due date.

    Advantages of a Used-A-Bit payday loan:

    1. Flexible Loan Terms: Our loans are due when you get paid. Standard terms are from 15 to 20 days, and they can be renewed for a maximum of 60 days from the original loan date. 30 day loans are available for customers paid once monthly.

  • Cash Payment Discount: If you pay your loan back with cash, you receive 25% off the fee of your loan. (Discount applies only when the loan is paid in full by the agreed upon date.)

  • Avoid Bank Service Charges for Non-Sufficient or Returned Checks. Banks typically send larger checks through first, causing numerous NSF check fees for other smaller transactions.

  • Avoid costly late fees or utility disconnect fees.

  • Cash is readily available with no credit checks. The transaction usually takes 15 minutes or less.

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