EXHIBIT 10.36


                                 PROMISSORY NOTE

$35,000

                                                                    July 7, 2000

     For value  received,  and  intending to be legally  bound,  Pawnbroker.com,
Inc.,  a  Delaware  Corporation  (the  "Maker"),   hereby   unconditionally  and
irrevocably promises to pay to the order of Landenburg, Thalmann & Co. Inc. (the
"Payee"),  at such place as Payee may  designate in writing,  in lawful money of
the United States of America,  the sum of Thirty Five Thousand Dollars ($35,000)
on the  earlier of (i) the  funding  of the first  draw down under that  certain
Common Stock Purchase Agreement between Maker and Gestrow Investments Limited or
(ii) December 31, 2000.

     Interest on the  principal  balance  hereof shall accrue at the rate of ten
percent  (10%) per annum  from and after the due date as  aforesaid;  and for so
long as any part of the principal amount remains outstanding thereafter.

     This Promissory Note may be prepaid in whole or in part at any time or from
time to time without premium or penalty.

     For purposes of this Promissory  Note, an "Event of Default" shall occur if
the Maker shall:  (i) fail to pay the entire principal amount of this Promissory
when due and  payable,  (ii) admit in writing  its  inability  to pay any of its
monetary obligations under this Promissory Note, (iii) make a general assignment
of its assets for the benefit of creditors,  or (iv) allow any  proceeding to be
instituted  by or against it seeking  relief  from or by  creditors,  including,
without limitation, any bankruptcy proceedings.

     In the event that an Event of Default has occurred,  the Payee or any other
holder of this Promissory Note may, by notice to the Maker,  declare this entire
Promissory to be forthwith  immediately  due and payable,  without  presentment,
demand, protest or further notice of any kind, all of which are hereby expressly
waived by the  Maker.  In the event  that an Event of  Default  consisting  of a
voluntary  or  involuntary  bankruptcy  filing has  occurred,  then this  entire
Promissory Note shall automatically become due and payable without any notice or
other action by Payee.

     The  nonexercise  or  delay  by the  Payee  or any  other  holder  of  this
Promissory Note of any of its rights hereunder in any particular  instance shall
not constitute a waiver thereof in that or any subsequent instance. No waiver of
any right  shall be  effective  unless in writing  signed by the  Payee,  and no
waiver on one (1) or more occasions shall be conclusive as a bar to or waiver of
any right on any other occasion.

     Should any part of the indebtedness evidenced hereby be collected by law or
through an  attorney-at-law,  the Payee or any other  holder of this  Promissory
Note shall,  if  permitted  by  applicable  law, be entitled to collect from the
Maker  all  reasonable  costs  of  collection,  including,  without  limitation,
attorneys' fees.

     Maker hereby forever waives presentment,  demand,  presentment for payment,
protest,  notice of protest,  and notice of dishonor of this Promissory Note and
all other  demands  and notices in  connection  with the  delivery,  acceptance,
performance and enforcement of this Promissory Note.

     This  Promissory  Note shall be binding upon the  successors and assigns of
the  Maker,  and  shall be  binding  upon,  and  inure to the  benefit  of,  the
successors and assigns of the Payee.


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     This  Promissory Note shall be governed by and construed in accordance with
the internal laws of the State of New York.  All disputes  between the Maker and
the Payee relating in any way to this  Promissory Note shall be resolved only by
state and federal courts located in New York County, New York, and the courts to
which an appeal therefrom may be taken.

     IN WITNESS WHEREOF, the undersigned Maker has executed this Promissory Note
as of July 7, 2000.

                                     MAKER:

                                     PAWNBROKER.COM, INC.


                                     By:  /s/ Neil McElwee
                                          ------------------------------------
                                     Its: Neil A. McElwee, CEO