BJ Pawn Has No Minimum or Maximum Term for our loans. If you receive a loan from BJ Pawn, you are allowed to pick up your loan the very next day OR keep your loan here as long as you would like. Interest accrues on a monthly basis and must be paid accordingly. BJ Pawn Does Not require loans to be repaid within 90 days of the loan date. For example, if you have an asset with a liquid wholesale value of $25,000 and borrow $10,000, your interest would be $291.66/month. If you borrowed the money for 3 months, your total payback amount would be $10,740. Maximum APR on MLA Loans is 35%, APR Max. The total cost of an MLA Loan will not exceed 35% APR even after all applicable fees are applied.