Top Dollar Pawn Jewelry is also MLA compliant and offers loans with a fixed rate of 36% APR with all fees included After you take out your loan, you’ll have 3 options to get your item back. First, You can come pay off your entire loan within the first 1-month term and get your item -or- items back. Second, you can come pay just the minimum on your loan which is the interest payment. Finally, unlike most Traditional Pawn shops, VA Premier Pawn doesn’t want you to lose your valuables. Therefore, we will let you make payments towards your principal loan balance along with the monthly interest payments. You can get your valuables back once your loan is paid in full.