Decatur Jewelry & Pawn offers the best item-backed loans in the area. Our plans are flexible with a maximum repayment period of 10 years. Our interest rate is 2.9% per month or 35% APR when clients borrow 25% of the liquid wholesale value of their pledged collateral over $10,000. For example, if you have an asset with a liquid wholesale value of $50,000 and borrow $10,000, your interest would be $291.66/month. If you borrowed the money for 3 months, your total payback amount would be $10,740. Loans greater than $100,000 can qualify for even lower rates. If you have any more questions please review our FAQ page or give us a call.