Privacy and Responsible Lending Policy

Privacy Policy

Non-Public Personal Information

Arlington Jewelry & Loan, Inc. collects nonpublic personal information about you as a consumer, customer, or former customer from the following sources:
  1. Information we receive from you on our pawn forms, loan documents, sales documents or other forms.
  2. Information about your transactions with us, our affiliates, or others.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted and required by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain safeguards that restrict access to your nonpublic personal information.

Cookies

In order to enhance your browsing experience, our website uses "cookies". A cookie is a small piece of data that is stored on a site visitor's hard drive to help improve the customer's access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site (Google). However, we have no access to or control over these cookies.

Links

This web site contains static links to other websites. Please note that we are not responsible for the content or privacy practices of any website other than ours. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.


Policy on Responsible Lending

  • Is a Pawn Loan your best financial option?
  • A pawn loan is meant to be a short-term loan designated to assist with your immediate cash deficiency. This type of loan is not meant to be a mortgage. It is a short-term loan designed to help with your immediate cash needs. We encourage you to borrow only what you need.
  • Loan Fees / Costs
  • The finance charge of the loan will be disclosed to you in clear terms when the loan is written up. The principal balance, finance charge for every 30 (thirty) days, and the total amount due by the maturity date will be stated prior to completion of the loan according to federal truth in lending law and regulations. For details on the specific costs of your loan, please contact us and have your ticket number ready. We do not charge Late Fees, however, the finance charge will accumulate upon non-payment. We do not charge any "hidden fees".
  • Minimum Hold Time
  • In order to comply with State and Local Laws, we must hold every item for a minimum of 2 (two) days from the date the loan was received.
  • Late / Non-Payment Consequences
  • If you choose not to make the service payment, or redeem your item by the end of 30 days, by law the loan is automatically extended by an additional 30 days. We do not charge any 'late fees', however the finance charge does accumulate if not paid. If no payment has been made within 60 days and the item is not redeemed, then the loan defaults and the collateral becomes the property of the pawnshop. We do not sell your debt to any debt collector, call or text you, leave messages, or report to any credit agency. If in the case of non-payment, the collateral is forfeited and becomes property of the pawn shop.
  • Refinancing / Renewing A Loan
  • We do not offer an option to refinance your loan. The loan can be renewed by paying the finance charge by the maturity date of the loan
  • State and Local Laws
  • We are fully compliant with all applicable federal and state laws and regulations. Including, but are not limited to:
    1. Equal Credit Opportunity Act
    2. Gramm-Leach-Bliley Act Privacy Requirements
    3. Truth in Lending Act
  • Your Privacy
  • We follow all applicable federal and state privacy laws. Please see our FAQ Page for details.
  • Contacting Us
  • At the bottom of every page of our website is a physical address to contact us. You can also use our contact form here. We can be reached at (847) 577-3700 during normal business hours. You must contact us, we do not call you, text you, leave messages, or send anything to your home in regards to your payments or your due dates.
  • Notice to Pawn Consumers