Pawn Loans in Sydney

It depends on the value of the item. Gold is priced against the live spot rate, watches and designer bags are priced against current market and resale value, and we typically lend 50-70% of what we'd pay if you were selling outright. Walk in with your item and we'll give you a number on the spot — no obligation.

Our rates are competitive and clearly explained up front. NSW pawnbrokers are capped by state regulation, and we sit at the lower end of that range. There are no hidden fees, no establishment fees, no early repayment penalties. The rate we quote is the rate you pay.

Standard terms are 1 to 6 months, with the option to extend, part-pay, or pay out early at any time. If you need longer, we can roll the loan forward. As long as the interest is kept up, the item stays safe in our vault.

If you can't repay by the end of the term, the item is forfeit and we sell it to recover the loan. We never chase you for the shortfall — pawn loans are non-recourse in NSW. But we'd rather work with you to extend or part-pay if you can. Come in and talk to us before the term ends.

Yes — gold jewellery is our bread and butter. We test the karat with acid, weigh it in front of you, and price against the live gold spot rate. 9ct, 14ct, 18ct, 22ct, 24ct — we lend on all of it.

No. Pawn loans are secured against the item, so your credit history doesn't matter. Bring valid ID (driver's licence, passport, or NSW photo card) and the item you want to pawn. That's it.