MANN'S USED CARS 
& COLUMBIA PAWN

270-384-5523

BUY HERE PAY HERE  CAR DEALER     $$$  JEWELRY - GOLD - LOANS    $$$     @@    WE BUY SCRAP  GOLD & SILVER  @@   

Frequently asked questions




Thank you for your patience as we comply with this new federal requirement!
  1. How does a pawn loan work?
    Pawn loans are an easy way to get quick cash. Loans are based on the value of the item pawned. The term of the loan is one month plus a 30-day grace period. If you cannot pay back your loan within that time frame, we offer extensions to give you additional time. You can also decide to not pay off your loan and surrender your merchandise.
  2. What type of identification do I need to get a loan?
    A state issued ID or driver's license (less than one year expired), an immigration card or passport.
  3. What is an extension?
    If you cannot pay back your loan in full on the due date, you can get an extension. You will be required to pay a portion of the interest owed which will allow us to extend the loan up to 30 days.
  4. How do you determine how much to loan me on my item?
    Loan amounts are based on the value of the item, its condition and our ability to sell it if needed.
  5. Are pawnshops regulated?
    Yes, pawnshops are regulated at the local, state and federal level. We are audited regularly to ensure compliance. In addition, we are subject to many federal laws including but not limited to the Patriot Act, Truth in Lending Act, Federal Trade Commission Rules on Data Privacy and Security Transfer and Federal Firearms Licenses.
  6. How old do I have to be to buy a gun?
    We follow all state and federal laws. You must be 18 years old to purchase a long-gun and 21 years old to purchase a handgun. In addition, you must pass a federal background check.
  7. Isn’t everything in a pawnshop stolen?
    No. We work closely with local authorities to prevent and identify stolen merchandise. Customers are required to show identification when pawning or selling an item. Less than 1 percent of items are identified as stolen. We train our staff to be on the lookout for stolen property. It is not in our benefit to take anything that is presumed stolen since it will most likely get confiscated by the local authorities.
  8. Do you offer layaway?
    Yes. We offer a 60-day layaway plan with 30% down. Our customers find this to be very helpful during the holiday season.
  9. Are my items safe while in pawn?
    Yes. It is our responsibility to keep your items safe. Once they are pawned, they are placed in a secure, location.
  10. Why do you need my social security number?
    Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. Effective October 3, 2016, Pawn Shops will be required to comply with an amendment to the Military Lending Act (MLA) concerning new terms for extending credit to service members and their dependents.
Disclaimer: All advertised prices exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. Vehicle availability is not guaranteed and subject to prior sale. All vehicle details advertised are true to our best knowledge, but not guaranteed. It is the customer's sole responsibility to verify the existence and condition of any equipment listed. The dealership is not responsible for misprints on prices or equipment. It is the customer's sole responsibility to verify the accuracy of the prices with the dealer. Pricing are subject to change without notice. Any advertised down, monthly, bi-weekly, and weekly payments are estimated examples and / or approximate payments only and subject to credit check and approvals.