Pawnbroking Loans You Can Trust

Need short-term access to cash? Pawnbroking at Cash Shop allows you to borrow money against items you already own, without selling them. Your item is securely stored while your loan is active, and you can repay and collect it when you’re ready.

No credit checks. Secure. FCA Registered.

Pawnbroking Loans at Exceptional Rates

At Cash Shop, we value your business as much as you value your treasured items. That’s why our Pawnbroking service is secure and affordable, with rates as low as 4.9% per month. Use our Pawnbroking Loan Calculator to find out what it will cost to redeem your goods AND how much you can save using Cash Shop.

How It Works

Bring your item into one of our stores

Visit one of our stores with your valuables.

Our team will assess its value

Our experts will assess your item on the spot.

We agree a loan amount with you

Accept our offer and walk away with cash.

Your item is stored securely until repayment

You have up to 6 months to repay and reclaim your item.

Prefer to start online? You can now get a free online quote before visiting a store.

How Much Does it Cost?

At Cash Shop, we have 6 tiers of pricing for our pawnbroking loans. Interest rates are charged monthly, for up to 6 months:

  • Loans up to £999.99 – 9.9% (154.0%APR)
  • £1000.00 – £2499.99 – 8.9% (135.2%APR)
  • £2500.00 – £4999.99 – 7.9% (117.2%APR)
  • £5000.00 – £7499.99 – 6.9% (99.9%APR)
  • £7500.00 – £9999.99 – 5.9% (83.2%APR)

  • £10000.00 and over – 4.9% (67.7%APR)

Our pawnbroking loan calculator will tell you how much it would cost to redeem your item. Simply move the sliders for a loan value and a term length, and the calculator will not only tell you how much it will cost to redeem your item, but also how much you’ll save by using Cash Shop, instead of the competition.

To learn more about our repayment options and how to manage your loan throughout the term click here.

Pawnbroking Loan Calculator*

Loan Amount £
Redeem on day #
Cost to Redeem
At Cash Shop £
Interest per month %
At H&T Pawnbrokers £
Interest per month %
£ better off with Cash Shop

 *Please note that the calculator is for illustrative purposes only; there may be a slight difference between the online calculator and your loan contract.

Our staff routinely provide loans on:

Jewellery

Rings, necklaces, bracelets, and more

Watches

All brands considered, new & pre-owned

Rings

Diamond, Gold and Silver

Coins

Gold, Silver and collectables

Gold, Silver & Platinum

Scrap or fine metals accepted

Not sure if we’ll accept your item?

Why Choose Us?

We pride ourselves on being completely transparent with our pricing and our processes.

  • FCA Regulated – Fully compliant with UK lending standards
  • Fast & Fair Quotes – In-store or online within minutes
  • No Hidden Fees – Transparent terms, no pressure
  • Your Items are Safe – Fully insured and securely stored
  • Flexible Repayments – Pay back early anytime

“This place has helped me out so many times and they are so helpful and understanding! The interest rate is also one of the best if not the best! Definitely recommend.”

Marissa Wilson
Sheffield

FAQs

At Cash Shop, we believe you should be able to get your cash any time you need it.

The term of your contract is 6 months, from the date you received the loan.

No, you can redeem at any time. You will be charged the daily rate of interest up to the date of redemption, plus a 14- day early settlement fee (the full amount will be due within the last 14 days of the agreement). You also have the right to withdraw from the agreement within the first 14 days; you must implicitly state you wish to withdraw from the agreement, and upon repaying the principal loan amount plus interest, the contract will be deemed cancelled.

Yes! We strongly encourage that you make partial payments, if possible. When your partial payment reduces the principal loan amount, this will reduce the total amount of interest you’d pay over the term of the loan. Partial payments also mean you won’t have to pay as big of a limp sum when you redeem your item.

You can still redeem or renew your item(s) however, there is a £3.00 lost document fee for pledges £75 or less, and a £5.00 fee for pledges over £75.00. You will have to complete a Statutory Declaration that would need to be signed by a solicitor, which may incur even more charges. We recommend that you put your contract in a safe place as soon as possible, so you always know where it is! It should be noted that a pawnbroking contract is transferable, so if you lose it and someone else finds it, they would be able to redeem your goods. This is a very unlikely scenario, however, but one you should be aware of.

As mentioned above, the pawnbroking contract is transferable so whomever is in possession of the contract can redeem it. However, because a renewal of the contract requires a signature, only the customer who took out the loan can renew the contract. Also, a third party (someone other than the person who took out the original loan) would not be able to redeem the item without the original contract.

As a courtesy, we send a text messages and letters to remind you the item(s) are due. If you would prefer for us to hold it/them for longer, you can pay any interest owing and renew the contract for a further 6 months. However, we do want you to be able to redeem your items and would encourage partial repayments during the term of the loan, which makes redemption more affordable. If you do not redeem or renew your item(s), you would forfeit the goods. Cash Shop
will endeavour to achieve the best possible price for your unredeemed goods, the proceeds of which would go towards settling the loan. If the item sells for less than what we loaned to you plus interest and costs, this would result in a ‘deficit’. However, Cash Shop would not pursue borrowers in the instance of a deficit. In the vast majority of cases, the proceeds would cover the original loan amount, and most of the interest and costs, so we are fine with that. If, however,
the proceeds of the sale are greater than the loan amount (and the loan amount was greater than £75), interest and costs, this would result in a ‘surplus’, and the surplus would be paid back to you.

Of course! At Cash Shop, we understand that some customers choose not to redeem their goods, for their own reasons. We also understand that the need to use the service again may arise, and we are always happy to help

Most competitors charge around 10% interest per month, whereas Cash Shop’s rate are as low as 2.9% per month and never higher than 8.9% per month. We also send reminder texts and letters to help you effectively manage your loan repayment.