Confidence is not gained in a day.

As the first collateral loan broker in Suffolk County, O’Neill’s has been in business for over 45 years. We are licensed and bonded to provide collateral loans or purchase valuables. It is so important to work with an established and reputable pawn shop.

How It Works


Our team of expert in-house pawnbrokers will evaluate your items while you wait.


The loan process requires a valid ID and a signed 4 month contract for an immediate cash payment.


An executed copy of the loan ticket is provided with cash payment and you are on your way. It’s as simple as that!

Pawning with security

Your loan will be established upon the appraisers determination of your collateral. Each of our appraisers is familiar with today’s market trends so that we can offer the highest amount on your valuables. There is no application to file or credit check involved to apply for a loan. Regardless of past credit history, pawning is a secured collateral loan similar to a mortgage. We will not investigate your employment or credit score.

The borrower must be 21 years of age and we do require proper identification at the time of transaction. Descriptions of all pawned items are reported to the SCPD as required by law. Collateral loans are valid for up to 4 months, at which time, you may redeem or renew the loan by paying all applicable charges; principal, interest and storage fee. We are happy to loan against all manner of jewelry, watches, gem stones, silver and a variety of modern electronics and musical instruments.

Loan policies

All items held in storage for the duration of the loan. A valid State I.D. is required. You must be over 21 years of age. By law, we are required to report all items to the Suffolk County Police Department. Notify us immediately if your pawn ticket is lost or stolen. 24 hour notice is required for redemption of pledges. NY State regulated 4% interest per month NY State regulated storage fees applied. All loans are confidential.

Ready to do business?

Get In Touch