A flexible loan secured against your valuables
Pawnbroking rates from 4.99% per month
Daily interest · No setup fees · Payments accepted during the loan
Straightforward and flexible
How a pawnbroking loan works
Your loan is based on the value of the item you leave with us as security, rather than your credit history.
Bring your item
Visit our Romford store with eligible jewellery or watches and the required identification.
Agree the valuation
We inspect your item and clearly explain the loan amount, interest and repayment date.
Receive your cash
Once the agreement is completed, you receive your loan and we securely hold your item.
Repay and collect
Repay the balance and interest within the agreed term to receive your item back.
Items we consider
Borrow against jewellery and watches
The amount available depends on our in-store valuation, condition, authenticity and current market value.
Gold & silver
Chains, bracelets, rings, bangles and other precious-metal jewellery.
Diamond jewellery
Diamond rings, earrings, pendants and other quality pieces.
Quality watches
Luxury and quality watches, subject to inspection and authentication.
Clear costs
Our published pawnbroking rates
| Monthly rate | Loan from | Loan to | APR |
|---|---|---|---|
| 8.29% | £1 | £299 | 124.22% |
| 7.99% | £300 | £499 | 118.86% |
| 7.49% | £500 | £999 | 110.08% |
| 7.29% | £1,000 | £1,499 | 106.61% |
| 6.79% | £1,500 | £2,999 | 98.08% |
| 5.99% | £3,000 | £4,999 | 84.80% |
| 4.99% | £5,000 | £9,999 | 68.84% |
Representative example
£1,000 borrowed for six months at 7.29% per month.
Total charge for credit: £437.40. Total amount payable in one instalment: £1,437.40. Interest rate: 87.48% per annum fixed. Representative APR: 106.61%.
Maximum APR: 124.22%. Maximum initial loan term: six months.
A local pawnbroker with flexible repayments
No credit check
The amount you can borrow is based on the value of your item.
Interest charged daily
You pay interest for the time the loan is outstanding rather than automatically paying for a full month.
Make payments during the term
Pay any amount at any time to reduce your balance and the cost of your loan.
Your item is held securely
You retain ownership while the loan remains within the agreed terms.
What identification should I bring?
Your item is security for the loan
If the loan is not repaid, renewed or otherwise dealt with by the agreed deadline, your item may be sold to repay the debt. The treatment of unredeemed items depends on the agreement and applicable rules. Read your agreement carefully and contact us before the deadline if you need help.
Visit Cash Concepts
Your local pawnbroker in Romford
Find us at the bottom of Romford Market, or send photographs first for an initial indication.
Your questions answered
Do you carry out a credit check?
No. The loan is secured against your item and the amount offered is based on its assessed value. You will still need to provide the required identification and complete an agreement.
How long can I borrow for?
The published initial term is up to six months. Your agreement will state the repayment date and all applicable terms.
Can I repay early?
Yes. Interest accrues daily, so repaying the loan earlier reduces the interest payable. Ask the store for the exact settlement amount on the day you intend to collect.
Can I make part-payments?
Yes. You can make payments during the loan term to reduce the outstanding balance and the interest that accrues.
What happens if I cannot repay by the deadline?
Contact the Romford store before your deadline to discuss the options available under your agreement. If the loan is not repaid or renewed, your item may be sold to repay the debt.
Is pawnbroking the same as buyback?
No. A pawnbroking agreement is a regulated loan secured against your item, and you retain ownership. Under buyback, you sell the item with an option to buy it back within the agreed period. Ask our team to explain which service may be available for your item.
Find out what you could borrow
Send the Romford team clear photographs and details of your jewellery or watch for an initial indication.
Message Cash Concepts Romford