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Release cash in your assets
with a pawnbroking loan

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How much can you borrow against your items?

At Ramsdens you can borrow from £100 to £250,000 subject to the assessment of your item(s). Ramsdens could lend up to 75% of the pre-owned item value dependent on the quality of the item(s).

Rates from 1.99% per month (subject to the amount borrowed).

Get cash today

Borrow cash against an item of jewellery or a luxury watch

Flexible payment options
Make payments online or in store anytime to reduce costs
Secure Storage
Secure Storage
Your item(s) are securely stored until loan repayment
Trusted Service
Ramsdens are a trusted pawnbroker since 1987. Read our reviews here
What is a Pawnbroking Loan?

A Ramsdens pawnbroking loan is a short-term loan secured against items of gold, silver, diamond jewellery or prestigious watches. The amount of the loan is dependent on the item(s) provided as security.

Whether you decide to take a pawnbroking loan out online or in store, our trained staff will value your item(s) and agree a loan amount with you that you feel comfortable repaying. We give you the cash or pay by bank transfer and keep your item(s) safe and secure until you repay your loan.

During the term of the loan you can make payments of any amount and at any time to suit you. By making these payments you will reduce the cost of your loan. Interest accrues on a daily basis and our primary loan term is six months. When you repay the loan you will receive your item(s) back.

Ramsdens also provide pawnbroking loans to small and medium-sized business owners.

  • Secured against items of gold, silver, diamond jewellery or prestigious watches
  • Get a pawnbroking loan online or in store
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Learn More About Pawnbroking

What does a Pawnbroking Loan cost?

Our interest rates are variable depending upon how much you borrow.

Loan Example

  • Total amount of credit £20,000.00 for 6 months
  • Total amount payable £22,388.00
  • Total charge for credit £2,388.00
  • Interest rate 23.88% pa (fixed) equivalent to 1.99% per month

Representative Example

  • Total amount of credit £200.00 for 6 months
  • Total amount payable £318.80
  • Total charge for credit £118.80
  • Interest rate 118.80% pa (fixed) equivalent to 9.90% per month

Contact us for more information or visit your local store.

What is a Pawnbroking Loan?
What is an APR?
What happens if the loan is not repaid?
What do Ramsdens lend against?
How do I get a Pawnbroking Loan?
Struggling to repay your pawnbroking loan?
What identification will I need?
Can I pay back my loan early?
Can I manage my account online?
What happens if I lose my pawn ticket / contract?
May I renew my loan after the six-month period?
GETTING YOUR LUXURY ASSETS TO US
Online
Apply for a pawnbroking pack online and securely send your assets in to us.
In Store
Bring your assets to one of our 160+ stores and our staff will be more than happy to help you.
Speak to us

Have a question? Contact us to speak to one of our customer service team who will be more than happy to help you. 

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