Pawn Loans
Cash today on jewelry, guns, tools, electronics, instruments, and more. No credit check, no collections — ever. Tennessee sets the rate and we print it on your ticket.
How pawn loans work
Opening soon in Soddy Daisy
Soddy Daisy's Pawn Shop & Gun Store
Fair pawn loans, honest buying, real layaway, and $40 FFL transfers — run by a pawnbroker with seventeen years behind the counter, not a corporate office.
17 yrsbehind the pawn counter
Localindependent & family owned
$40flat FFL transfer fee
Plain termswritten down before you sign
What we do
Everything a good pawn shop should do — done right
Loans on what you own, cash for what you're done with, layaway on what you want, and a gun counter that treats you like a neighbor.
We Buy
Selling outright? Bring it in. Gold, jewelry, firearms, tools, electronics, instruments, outdoor gear — a straight cash offer on the spot, and you can walk away if you don't like it.
What we buy
Layaway
10% down holds it. Pay it off over time with no interest and no fees. Firearms too — the background check happens when you pick it up.
Layaway terms
Jewelry & Gold
Gold, silver, platinum, diamonds, and watches — tested in front of you and priced off that day's spot. We show you the math.
Sell or pawn jewelry
Firearms & FFL Transfers
New and used handguns, rifles, and shotguns. Bought a gun online? Have it shipped to us — $40 flat, background check included, no surprise add-ons.
Firearms & transfers
Shop the Store
Every item we sell was inspected and tested before it hit the shelf. Prices are marked, and yes — you can make an offer.
Hours & directions
How pawn works
Three steps. Fifteen minutes. Your stuff stays yours.
Bring it in with your ID
Anything of value — you must be 18 or older. We look it over, test it, and make you an offer based on the item, never your credit.
Take the cash, keep the ticket
You get cash and a pawn ticket that spells out the loan amount, the charges, and your due date in plain numbers. Nothing hidden.
Pick it up when you're ready
Pay the loan plus charges within 30 days (plus a 30-day grace period) and it's yours again. Need more time? Pay the charges to renew. Can't come back? You lose the item — nothing more. No collections, no credit hit.
Straight talk on rates
Tennessee sets the price
Every licensed pawn shop in Tennessee is allowed the same charges: 2% interest plus a 20% service fee per 30-day period. We don't play games with it, and we write the dollar amounts on your ticket before you sign.
Full pawn loan details →
FFL Transfers
Bought a gun online? Ship it here.
$40 flat · background check included
Have the seller ship to us, we call you when it lands, you fill out the Form 4473, pass the Tennessee background check, and take it home. That's the whole process. Ask around — most shops won't even tell you their transfer fee until you call. Ours is printed right here: the same $40 our owner charged for years before a corporate office decided transfers "weren't worth it." We think they are.
How FFL transfers work
Why Big Ben's
Seventeen years of pawn — done our way now
Ben spent seventeen years running pawn counters for the big chains. He learned the trade inside and out — and he learned everything a corporate playbook gets wrong: the call-center answers, the fees that appear from nowhere, the services that got cut because a spreadsheet in another state said so.
Big Ben's is what a pawn shop looks like when the person making the decisions is the same person behind the counter. Loan terms you can read. A real layaway. A gun counter that does transfers because that's what a gun counter is for. And a handshake that still means something in Soddy Daisy.
What that means for you
- Terms and totals in writing before you sign — every time
- No credit checks, no collections, no impact on your credit
- Layaway with no interest and no fees when you finish
- $40 FFL transfers with the background check included
- Straight answers from the owner — not a script
Quick answers
Questions people ask before they walk in
Do you check my credit for a pawn loan?
No. The loan is secured by your item — your credit is never checked and a pawn loan never touches your credit report.
What does a pawn loan cost?
Tennessee law allows 2% interest plus a 20% service fee per 30-day period, the same for every licensed shop. On a $100 loan that's $22 for the first 30 days, printed on your ticket.
How much is an FFL transfer?
$40 flat, including the Tennessee background check. Have the seller ship to us and we'll call you when it arrives.
Do you do car title loans?
No — we're a pawn shop and gun store. Title loans are a different business under a different license, and we've chosen not to be in it.
Follow along
What just came in, what's on sale, when we're open
We'll post new inventory, deals, and any hours changes on Facebook and in our news & updates. The opening date lands there first.
Our Facebook page is coming soon — recent posts will show here.
Follow Big Ben's on Facebook
Latest update
Big Ben's Gun & Pawn is coming to Dayton Pike
Seventeen years behind a Dayton Pike pawn counter, and now the shop Ben always wanted to run. What's coming, and what to expect when the doors open.
Read the update
Visit
Come see us
We're on Dayton Pike in Soddy Daisy — an easy drive from Hixson, Red Bank, Dayton, and north Chattanooga. Plenty of parking out front.
Big Ben's Gun & Pawn
9721 Dayton Pike
Soddy Daisy, TN 37379
Hours
| Monday | 9:00 AM – 6:00 PM |
| Tuesday | 9:00 AM – 6:00 PM |
| Wednesday | 9:00 AM – 6:00 PM |
| Thursday | 9:00 AM – 6:00 PM |
| Friday | 9:00 AM – 6:00 PM |
| Saturday | 9:00 AM – 5:00 PM |
| Sunday | Closed |
Holiday hours are posted on the door and here.