Pawnbroking
Borrow against it.
Keep it.
A pawn loan is the only kind of credit where the worst that can happen is you lose the thing you pledged. No credit search, no credit file, no debt that follows you home. From £10 to £100,000, over the counter at 102 George Street.
What actually happens
You are lending yourself money,
using your own things as the proof.
Every other lender asks the same question first: can we trust you to pay this back? To answer it they search your file, judge your history, and price the risk into what they charge.
A pawnbroker asks a different question. Is this item worth more than the money? If it is, the conversation is over. We do not need to know your salary, your history or your reasons, because the item carries the risk instead of you.
That is why it is quick. It is also why it is contained. If everything goes wrong and you cannot repay, we sell the item, take what we are owed and hand you the rest. Nothing is referred to a collections agency, because there is nothing left to collect.
Start to finish
Four steps. Usually under twenty minutes.
Bring it in
Walk in with the item and photo ID plus proof of address. No appointment. If it is a vehicle, call ahead and we will arrange collection and secure storage.
We value it, free
Weighed on our scales, tested for carat, checked under the loupe, all in front of you. We give you both numbers: what we would lend, and what we would pay to buy it.
You take the cash
Cash over the counter or a same day transfer. You leave with a regulated credit agreement that states the amount, the rate, the term and the total to redeem.
You come back for it
Repay in person or over the phone whenever suits. Your item comes out of the safe exactly as it went in. Sealed, insured, untouched.
No small print
Every number, before you agree to anything.
Move the slider. Watch what a loan actually costs across the six month term.
- No arrangement fee, no storage fee, no valuation fee.
- Redeem early and you pay only for the months you used.
- Interest is charged on the amount borrowed. It does not compound.
- Need longer? Pay the interest and renew for another term.
Illustration based on 4.0% per month on the sum advanced over a six month agreement, representative APR 60.1%. Your actual rate is confirmed in store and set out in your credit agreement before you sign. Credit is subject to status.
The simpler alternative
Buy Back
Buy Back is not a loan. We buy the item from you outright, and at the same moment you take an option to buy it back from us at an agreed price, on an agreed date.
Some people prefer it because there is no credit agreement and no interest to track. You know the one number you need to bring back, and the date it applies to. If you change your mind, you simply do not exercise the option, and the item stays ours. There is nothing to owe and nothing to settle.
- One fixed buy back price, agreed on day one
- No interest accruing and no credit agreement
- Same cash, same day, same counter
- Walk away at any point with nothing to pay
Buy Back is not regulated credit, so it works differently from a pawn loan. We will always show you both side by side and explain which leaves you better off before you choose.
Cannot get to Hove?
Pawn by post, insured door to door.
Tell us what you have
Use the valuation tool or call the shop. We give you an indicative range straight away so you know whether it is worth posting.
Send it tracked and insured
We send you a prepaid, fully insured, tracked pack. Your item is logged and photographed the moment it lands.
Say yes, or say no
We call you with the firm figure. Accept and the money is with you the same day. Decline and we post it straight back at our cost.
Borrowing, answered