Pawn Loans, Gold Buying & Cash Advance in Ames, IA
326 Lincoln Way
Ames, IA 50010
Phone: (402) 477-5692
| Monday - Saturday | 9:00 AM - 7:00 PM |
|---|---|
| Sunday | Closed |
Approval not guaranteed. Requests are reviewed and lenders may verify your information.
Need a pawn shop in Ames or a gold buyer who pays fair prices? Express Pawn at 326 Lincoln Way lends money on items you own, buys and sells goods, and pays cash for gold jewelry and coins. We are part of the Payday Express family of stores, which means our team can also help with payday loans Ames shoppers look for when money runs short before the next paycheck.
We are open Monday through Saturday, 9 AM to 7 PM. Call the store to confirm today's hours before you drive over. A cash advance in Ames is easier to compare when someone explains the full repayment plan first, and that is exactly what we do before you commit.
Services at 326 Lincoln Way
Below are the services offered at our Ames location, from pawn loans and gold buying to check cashing and money services.
Pawn Loans
Leave an item you own with us and borrow cash against its value. The loan includes a hold period so you can buy the item back by repaying. Items that are not redeemed are forfeited.
Cash for Gold
Sell gold jewelry, coins and other gold pieces for cash at fair market prices. Bring what you have and we will walk you through how we arrived at the offer.
Cash Advance
A cash advance can bridge a gap between paydays. Ask our team to show you the repayment date and total owed in writing before you accept anything.
Payday Loans
Iowa payday loans are regulated under the Delayed Deposit Services Licensing Act. A payday loan in Iowa can be written for up to $500 per check, with a term of up to 31 days. Approval is not guaranteed.
Check Cashing
Bring in payroll, personal, government, insurance or tax refund checks. We do not hold your check for a set number of days, and we can cash it when your bank has already closed for the day.
Paycheck Advance
A paycheck advance lets you access part of your upcoming pay early. Bring a check stub, a recent bank statement and a valid ID so we can review your request quickly.
Wire Transfers, Money Orders & Bill Pay
Wire money, buy a money order or pay a bill without leaving the counter. Everything you need can be handled in one visit.
Get cash in 3 steps
- 1
Start a short online request or walk in to our Lincoln Way store.
- 2
We review your request or item. Starting online has no hard credit check to see your options, though lenders may still verify information and check credit.
- 3
Pick up your cash in store when approved, or finish your pawn loan or gold sale right then and there.
What to bring
- Check Stub
- Bank Statement
- Valid ID
- Checking Account
- Valid Driver's License
- A Job
Questions about a specific check or document? Call (402) 477-5692 before you come in.
Why Ames customers choose Express Pawn
Express Pawn is part of the Payday Express family of stores, which has been in business since 1997. In Ames, we focus on two things: a fair offer on the item or gold you bring in, and a clear explanation of every option before you decide.
Ames is a busy town with a wide mix of neighbors, workers and families. Some visitors need a loan against something they plan to reclaim. Others simply want to sell an item they no longer use. Both situations get the same respectful, unhurried attention. Ask as many questions as you need at the counter, read any paperwork at your own pace, and feel free to walk away if an option does not fit your plans.
- Pawn loans on items you own
- Buying and selling of goods
- Cash for gold and coins at fair market prices
- Check cashing with no hold on your check
- Privacy: we won't share your information without your knowledge and consent
Iowa payday loan rules in plain English
Payday loans in Iowa fall under the Delayed Deposit Services Licensing Act, Iowa Code chapter 533D, and the Iowa Division of Banking regulates them. An Iowa payday loan is limited to a maximum of $500 per check, with a term of up to 31 days.
Read every term before you sign, and ask questions about anything that is unclear. For licensing details and consumer information, visit the Iowa Division of Banking website.
Serving Ames, Campustown and Story County
Our Lincoln Way location is an easy stop for people across Ames, from the Campustown area to the neighborhoods around Iowa State University. The store is also a practical choice for residents of Story County.
Customers from nearby Nevada, Iowa can reach us without much of a drive. To compare our other stores, see the locations page, or send a question through the contact page before you come in.
What it costs and smarter alternatives
Ask for the total cost of any loan before you sign, and confirm the exact due date on the calendar. Borrow only what you can repay from your next paycheck, and skip any loan that would stretch your monthly budget too thin.
Pawn loans and sales work best for items you can afford to part with. Before you borrow, consider these alternatives:
- Call your creditor and ask about a payment plan or a later due date
- Ask a local credit union about small-dollar loans
- Check community assistance programs that help with utility and rent bills
Plan the repayment date before you sign, then set a reminder on your phone a few days ahead of it so nothing catches you off guard.
Ames FAQ
Where can I find a pawn shop in Ames?
Express Pawn at 326 Lincoln Way offers pawn loans on items you own and buys and sells goods. Stop in during store hours with the item and our team will walk you through the process, the hold period and what to expect if you decide to buy it back.
Do you buy gold in Ames?
Yes. We pay cash for gold jewelry and coins at fair market prices. Bring what you want to sell and we will explain how we reached our offer.
Where can I get a cash advance in Ames?
Visit our Lincoln Way store or start a short online request. Iowa payday loans are capped at $500 per check with a term of up to 31 days, and approval is not guaranteed.
Is approval guaranteed?
No. Every request is reviewed, and approval is not guaranteed. We will explain clearly what we can offer and what it will cost you.
How does a pawn loan work?
You leave an item with us as collateral and receive cash for the loan. You can repay during the hold period and take the item home again. If you do not repay, the item is forfeited.
Do you do a hard credit check?
Starting a request online gives you no hard credit check to see your options. Lenders may still verify your information and check credit before any loan is final.
Other stores near Ames
See all Payday Express, Advanced Cash and Express Pawn locations
Ready for a payday loan or cash advance in Ames? Start a request online or call the store.
Payday loans are short-term loans regulated in Iowa by the Iowa Division of Banking. Approval is not guaranteed; amounts, fees and terms depend on eligibility and state law. Iowa payday loans are limited to $500 for up to 31 days.