Pawnbroking | Pawn Jewellery in Leeds | Christopher Brown Jewellers

Christopher Brown Jewellers provides pawnbroking services in all branches across Yorkshire and the North West including Stockport, Batley, Liverpool, Prescot, Leeds, Pontefract, Shipley and York. As a trusted, long established high street jeweller and pawnbroker, we can offer instant cash loans for your goods and you can have the peace of mind that you are using a reputable company who will provide a discreet cash loan just when you need it most.

We can provide you with an instant cash loan in our pawnbrokers 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.

We will lend from £10 to £50,000, so no matter how big or small your need is, please get in touch. Contact our experienced staff at any of our trusted pawnbroking shops who will be happy to discuss. Or fill in the contact form at the bottom of the page with details of the item you are seeking to pawn and which is your local store and our experienced team can contact you to discuss further.

WHAT IS PAWNBROKING?

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.

WHAT ITEMS CAN BE PAWNED?

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.

HOW PAWNBROKING WORKS?

Bring your item into any one of our branches.
One of our expert staff will assess your valuables and offer you an instant loan secured against the items.
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.
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.

WHAT IF I CANNOT REDEEM MY GOODS AT THE END OF THE LOAN PERIOD?

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.

Once you no longer need the loan you can repay it back at any time within the 7 month contract period. This process is called redeeming your loan. If you wish to have longer to repay the original loan amount you can simply pay off the interest accrued and renew your loan for a further 7 months. We always wish for you to collect your goods and most of our pledge loans are collected. If you cannot pay it all at once then you can repay some of loan off and this will reduce your interest payments ongoing. We always encourage our customers to make repayments where possible and will always help in every way we can to enable you to collect your goods.

Sometimes your financial circumstances can vary and you may not be able to make repayment or may not wish to collect your goods. In this case we will sell the items after the contract expires after contacting you to ensure you no longer wish to or are unable to collect your goods. This is called forfeiting your pledge and it means we are entitled to sell the items to recover the cost of the loan, any interest accrued until the item is sold. You will not be liable for any further costs and the sale of the item will always cover the cost of the outstanding amount owed. Even if the item sells for less, the debt is cancelled and you will not be responsible for any further costs. Should the item sell for an amount greater than the cost of the loan, the accumulated interest and any administration charges then the excess profit is called a ‘surplus’ and you will be contacted after the item sell if this is the case to recoup this amount.

Remember it is the pawnbrokers responsibility to lend the correct amount in the first instance and if you chose to forfeit your loan then the debt is automatically paid off with no penalty to yourself.

OVERVIEW ON OUR PAWNBROKING SERVICES

We can provide loans from £10 up to thousands.
All pawnbroking loans are for 7 months, if you redeem your items before this period you only pay for the months used .
All loans are renewable (but we would encourage you to repay at least 10% of your loan at the same time where you are able to).
Your loan amount is paid to you the same day in either cash or bank transfer. Please note this time can vary if your item needs authenticating.
Your items are never owned by Christopher Brown Jewellers part of Brown & Gold group. When your pawnbroking loan is up for renewal or to redeem and you choose not to do either, you will be provided with any surplus remaining on the sale of your items.