Pawnbrokers in Liverpool

A Pawnbroking Loan is a short-term loan that is secured against your valuable items of gold, silver, diamond jewellery, luxury watches and other valuable assets. Interest on your loan is charged on a monthly basis and the loan is for a period of upto 7 months initially but can be extended (renewed) for a further period if required. Your goods are held in trust in the branch within our vaults as collateral against the loan. You can collect (redeem) your goods at any time and the sooner you repay the full loan the cheaper the total amount payable will be. Our monthly interest rates are checked regularly to ensure they remain competitive and reduce according to the size of your loan. Please visit our stores page for specific store contact details to find out more information and what we can lend on your items.

Pawnbroking can be a great way to get instant cash injections for small businesses and costs towards projects such as home improvements or emergency situations.

We will lend from £10 to £50,000, so no matter how big or small your need is we are here to help. We are fully Authorised and Regulated by the Financial Conduct Authority (FCA) and if you would like to find out more please call in to any of our branches and we will be happy to help.

Here at Christopher Brown Jewellers part of the Brown & Gold Group we accept many valuable items that you can use to borrow cash against.

We can provide you with an instant loan against your gold and diamond jewellery and luxury watches. Many customers bring everyday items such as ladies rings, men's heavy gold rings, fancy diamond rings, gold necklaces and Bracelets. We also lend on gold bangles, 21ct and 22ct gold, 24ct gold coins, Men's and Ladies luxury Swiss Watches from leading brands including Rolex, Breitling, Omega and Cartier and many more.

If in doubt, just bring your item in to be valued and we will always try to help.

1. Bring your item into any one of our branches
2. One of our expert staff will assess your valuables and offer you an instant loan secured against the items.
3. The contract is fully explained by our expert members of staff including the amount to be repaid, the length of the contract and how to cancel or redeem your items early should you wish to do so. Once signed the contract is for 7 months although you can redeem (collect) your goods at any time before then by repaying the original loan amount and any accumulated interest.
4. Your agreed loan amount is received in cash while you wait or you can have the funds sent directly to your bank account (usually available within 2 hours). It really is that simple.

Please note that if you are a new customer you must provide valid proof of Identity such as driving licence or passport and proof of address along with a utility bill to enable us to provide you with our pawnbroking services. Age restrictions apply and you must be over 18 to take out a pawnbroking loan.

A pawnbroking loan is different to may other types of unsecured loan as the goods held in trust by the pawnbroker will be sold to repay the debt under Private Treaty. There are no extra amounts to pay if your goods do not cover the cost of the loan and interest in full, it remains the pawnbroker’s responsibility to evaluate the goods correctly in the first instance.

At the end of the loan period, you will be contacted by letter to check you no longer require your goods and you wish us to sell your goods (forfeit) to pay off the debt. If this is the case the pawnbroker will repair and renovate the items if appropriate to gain the best possible sales outcome for you. If the items sell and generate a loss against the original amount loan and interest owed then the pawnbroker has to accept this deficit. If however the goods generate a profit over and above any loan amount and accumulated interest and administrative charges at the time of the sale, then a surplus might be due and you will be contacted by letter and informed that you can collect the excess profit made.

A pawnbroking loan is a very highly regulated and legal process that protects the individual and pawnbroker alike and ensures that the customer is treated fairly at all times. This is why we are proud to state that 80% of loans are collected (redeemed) and 70% of our customers are repeat customers.