AZ Pawn Co — Calculator

Rate & Scoring Reference

Buy Percentages

Category	Buy %	Based on
Hard Goods	45%	Selected value
Jewelry	60%	Melt value (live spot price)
Coins	65%	Melt value (live spot price)
Firearms	60%	Selected value

Loan Percentages by Customer Tier

Tier	Hard Goods	Jewelry	Coins	Firearms
90–100%	60%	85%	75%	80%
80–89%	55%	80%	70%	75%
70–79%	50%	75%	65%	70%
60–69%	45%	65%	65%	65%
Under 60%	40%	60%	65%	60%
New customer	55%	75%	65%	70%

Customer Tier Scoring

Tier	Score Required	Dollar Qualifier	Notes
90–100%	Score ≥ 90	$1,000+ redeemed or renewed	Min 3 completed loans
80–89%	Score ≥ 80	$500+ redeemed or renewed	—
70–79%	Score ≥ 70	No minimum	—
60–69%	Score ≥ 60	No minimum	—
Under 60%	Score < 60	—	—
New customer	No history	—	No completed loans on file

Score = (Redemptions + Renewals × 0.85) ÷ (Completed + Renewals × 0.85) × 100. Fewer than 3 completed loans caps the tier at 80–89% max.

Condition Multiplier — Hard Goods & Firearms

Condition	Multiplier	Effect on $1,000
Excellent	105%	+$50
Good	100%	No change
Poor	95%	−$50

Return Confidence Multiplier — Loan Only

Selection	Multiplier	Effect on $1,000
Yes, definitely	104%	+$40
Most likely	101%	+$10
Somewhat likely	98%	−$20
Not likely	95%	−$50

Jewelry & Coins

Values use today's live metal spot price. Stone weight in carats removes 0.2g per carat from metal weight before melt calculation. Diamond/stone value is added on top of melt.

Order of Operations

Buy: Value → × Condition % → × Buy % → Round to nearest $5
Loan: Value → × Condition % → × Loan tier % → × Confidence % → Round to nearest $5