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Looking to raise some funds? We loan against most items of value

Cash Converters are one of the UK’s leading Pawnbrokers with over 180 stores across the UK. Simply bring in your items of value that you want to unlock the value of.

A pawnbroking loan is a fixed-term loan agreement secured on the items you pledge. We keep the item safe for you and lend you money against it over a six-month period. When you are ready to redeem, simply pay back the loan and interest and your valuables will be returned.

Representative APR:

Pawnbroking representative APR is 155.8%.

Representative example:

Amount of credit £100; duration of agreement 6 months; rate of interest 119.9% (fixed) p.a.
Total amount payable: £159.94 in one instalment.*

*Late re-payment can cause serious money problems, if you do not keep up with your repayments your items could be at risk. For help and advice, visit www.moneyadviceservice.org.uk

Members of the National Pawnbrokers Association

Cash Converters (UK) Limited is a credit broker and not a lender, acting for franchisees and stores trading as Cash Converters.

Minimum age 18 and proof of ID and address required. Subject to status and affordability. Failure to keep up with payments may result in the loss of your goods. Further terms and conditions apply, ask in store or see FAQs below for more details.

Pawnbroking FAQs
  • What is a pawnbroking loan?

    It is a fixed-term loan agreement secured on the items of value, such as gold, silver and quality watches.

  • How does a pawnbroking loan work?

    You can take out a pawnbroking loan with us by using an item of value as security.

    We will hold your item and charge a monthly interest rate on the money you borrow. When you pay off the loan amount and any interest owing, you get your item back. 

  • What items can I loan against?

    You can loan on most items of value you own, provided that they’re in full working order.

    For example, we loan cash for items like jewellery, watches,  gold and other precious metals. If you’re not sure whether an item you have can be loaned against, contact your local store.

  • How long is a pawnbroking loan for?

    A pawnbroking loan is a short-term secured loan that lasts for six months, however, the loan can have overpayments made or even be fully paid off early which will reduce the total amount of interest paid.

  • What is the interest rate on a pawnbroking loan?

    Representative APR:

    Pawnbroking representative APR is: 155.8%

    Representative example:

    Amount of credit £100; duration of agreement 6 months; rate of interest 119.9% (fixed) p.a.
    Total amount payable: £159.94 in one instalment.

  • Do I need prove who I am and where I live?

    Yes, you will be asked to bring in a form of photographic identity and one proof of address.

  • Can I make early or partial repayments?

    Yes, you can make partial or a full payment at any point during your agreement. This will reduce the total interest charged, enquire instore for full terms and conditions.

  • When do I get my item(s) back?

    Once you have made the final repayment of your loan you will recieve your item(s) back.

  • What if I can't repay the loan?

    If you are unable or choose not to repay the loan, your item(s) will be sold to repay any amount outstanding. Monies will be repayed to you if the sale proceedes are greater than the amount under the loan.
    Late re-payment can cause serious money problems. For help and advice, visit www.moneyadviceservice.org.uk

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We're Local

With over 180 stores UK wide, you’re sure to find a store close by. Pop in and say hi.

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Hassle Free

Don’t wait! Head to your local Cash Converters store where the friendly, knowledgeable team will professionally value your item and answer any questions you may have.

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No Credit Checks

Security for your loan is on your pledge, not your financial history.

Other ways we can help

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Sell

We buy most items of value – find your nearest store.

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Loan from £1,000 to £10,000 for car owners.

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Buyback

Buyback avoids the need for a loan. Sell us your item with the option to buy it back later.

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