PawnSmarts comes pre-configured for North Carolina's 1989 Modernization Act — 9-point records, the 2% monthly interest and tiered fee caps, the 30-day term and 60-day forfeiture, and daily reporting — so your tickets and uploads are right every time.
North Carolina pawn shop software is a point-of-sale and loan-management system configured for the Pawnbrokers Modernization Act of 1989 (N.C. Gen. Stat. Chapter 91A) — 2% monthly interest plus the tiered service-fee caps ($100 month one, $75 months two and three, $50 from month four), the 9-point transaction record, the 30-day minimum term and 60-day forfeiture period, and electronic law-enforcement reporting. It calculates each charge and forfeiture date and stores every required record to North Carolina's rules so a pawnbroker can write a compliant ticket without doing the math by hand.
North Carolina pawnbrokers operate under the Pawnbrokers Modernization Act of 1989 (N.C. Gen. Stat. Chapter 91A, §§91A-1 et seq., codified in the recordkeeping and fee provisions of the Pawnbrokers and Cash Converters Modernization Act). PawnSmarts arrives already set up for those rules. You write tickets, take payments and run your daily upload; the software keeps the interest, fees, terms and records inside the state's limits.
North Carolina caps the monthly service charge by how long the loan has been outstanding, on top of the 2% monthly interest. PawnSmarts tracks which month each loan is in and applies the correct ceiling. Try to enter a fee above the cap for that month and the software stops you.
| Month | Maximum service fee | Plus 2% interest | Example on a $100 loan |
|---|---|---|---|
| Month 1 | $100 max | + $2 interest | $102 total |
| Month 2 | $75 max | + $2 interest | $77 total |
| Month 3 | $75 max | + $2 interest | $77 total |
| Month 4+ | $50 max | + $2 interest | $52 total |
PawnSmarts treats each month separately. In month four the cap is $50, so a $75 entry is simply rejected — no manual checking, no accidental overcharge, no violation.
North Carolina requires nine specific elements on every pawn transaction. The ninth — the "agreed stated value," the figure the pledgor and pawnbroker agree on for potential loss or damage — is unique to North Carolina and separate from the loan amount. PawnSmarts stores all nine in their own fields, so an inspection means pulling up any element instantly instead of digging through notes.
A North Carolina pawn carries a 30-day minimum term, after which a 60-day period runs before pledged goods may be forfeited. PawnSmarts calculates both from a single maturity date and flags loans as they approach forfeiture in the daily report.
North Carolina requires three statements on every pawn ticket. PawnSmarts prints them automatically on plain paper in the state ticket format — no rubber stamps, no hand-written notices, no pre-printed forms with $500 minimum orders. If the legislature changes the language, the template updates and your next ticket is current.
North Carolina pawnbrokers report transactions electronically, commonly through LEADS Online, and some jurisdictions are stricter than the statewide baseline. Henderson County (Code Chapter 20), for example, requires electronic inventory transmission to the Sheriff's Office within one business day of receipt. PawnSmarts generates the daily transaction file in the required format and tracks the deadline so a Monday transaction is ready to upload by close of business Monday.
When a pledgor is active-duty military or a covered dependent, the federal Military Lending Act caps the Military Annual Percentage Rate at 36% and requires verification. PawnSmarts supports the DMDC (MLA database) covered-borrower check so you can confirm status and keep the loan inside the federal cap alongside North Carolina's rules.
PawnSmarts is $89/month for the Essential plan or $129/month for Professional — month to month, no contract, no setup fee, cancel anytime. Prefer to own it outright? Professional is also a one-time $2,995 purchase. Switching from another system is done for you: $395 one time, with your data migrated and your shop live in under 24 hours.
Pawn tickets, retail POS, LEADS Online export, OFAC checks, inventory, customer records with ID scan and photo, reports and daily close. Works offline and auto-syncs.
Everything in Essential plus 3 automatic reminders before each loan is due, online payment links for pledgors, advanced analytics, gun log and multi-location.
Own PawnSmarts Professional outright. No contract, no recurring charge. Data migration is a flat $395 and you're live in under 24 hours.
On the Professional plan, pledgors get three automatic SMS and email reminders before a loan comes due, each with a secure payment link. They can pay from home and the loan updates instantly — which means fewer forfeitures and less time chasing renewals at the counter. A new pawn takes about 30 seconds, and scanning a license auto-fills the customer record.
See the full feature set in our guide to what pawn shop software does, compare PawnSmarts in our side-by-side comparison, review LEADS Online reporting and police reporting, or check the other states we serve.
North Carolina pawn shops may charge a maximum of 2% per month on the unpaid principal balance under the Pawnbrokers Modernization Act of 1989 (N.C. Gen. Stat. Chapter 91A). In addition to interest, a tiered monthly service fee applies: up to $100 in month one, up to $75 in months two and three, and up to $50 from month four onward. PawnSmarts applies the correct cap automatically based on how long the loan has been outstanding.
A North Carolina pawn carries a minimum 30-day loan term. After maturity, the pledgor has an additional 60-day grace period before the pawnbroker may forfeit the pledged property. That means a pledgor generally has at least 90 days from the loan date to redeem. PawnSmarts calculates both the maturity date and the 60-day forfeiture deadline automatically and flags approaching forfeitures in the daily report.
Chapter 91A requires nine specific elements on every pawn ticket, including a property description with serial number, full customer information, the customer's physical description, the ID type and number presented, the amount advanced, the due date and total amount owed, itemized monthly charges, and North Carolina's unique "agreed stated value" — the figure agreed upon for potential loss or damage to the pledged item. PawnSmarts stores all nine in dedicated, searchable fields so inspection audits can be answered instantly.
Pawn shop software generally runs from about $89 to $350 per month depending on features and number of stations. PawnSmarts is $89/month for Essential or $129/month for Professional — month to month, no contract and no setup fee — or $2,995 as a one-time purchase, and it can be free with integrated card processing.
Open the live demo and click around. If it looks right, sign up and we'll move your data for $395.
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