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Pawnbroking is often not the best way to get a loan, as pawnshops often charge high interest rates and will accept a piece of jewelry for only a fraction of its true value. However, if you are in urgent need of money, holding jewelry may be the only option. By having your jewelry appraised, comparing multiple places to find the best loan, and paying it off on time, you can get the money you need and still get your jewelry back!
Steps
Decide what jewelry to bring
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Calculate the amount to borrow. A pawnshop is a place to do business, so they will only lend you the equivalent of 60% to 70% of the jewelry’s actual value. Therefore, you should not carry jewelry that is worth more than necessary, especially if you cannot afford to pay the debt. [1] X Research Source
- Knowing how much to borrow will help you choose the minimum amount of jewelry in your jewelry box to take away.
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Consider which pieces of jewelry to prioritize. Try to choose jewelry that you don’t regret leaving. An heirloom to take away can make you regret later, but the engagement ring of an old love is probably easier to give away.
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Get your jewelry appraised. Pawnshops are usually only interested in pure metals such as gold or silver, and diamonds. They often refuse to hold gilded or fake jewelry. Take your jewelry to an appraiser or jeweler to have them assess its quality and value. [2] X Research Source
- You can find a jewelry appraiser or jeweler near you online.
- Remember that usually pawnshops won’t accept jewelry for its true value, but it’s a good idea to know how much your jewelry is worth, as you can get an estimate of how much the pawn will cost. map will lend (about 60% to 70% of the net value).
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Keep some jewelry for self-defense. If possible, don’t take all your jewelry at once. Keep at least one or two valuables in case you can’t repay your loan on time. Thus, you can bring it back again if you want to prolong the time so that you do not lose ownership of the item.
Find the right pawn shop
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Estimate how long it will take you to pay off your debt. Pawnshops will set deadlines for repayment. If you fail to pay your debt, the pawnshop will take possession of your jewelry. To ensure the highest possible redemption of the item, you must accurately calculate the time it is possible to repay.
- Remember to take the backup time into account. Perhaps you should allow a few extra weeks when calculating your repayment period, in case something goes wrong and you don’t get your money on time.
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Research local and online pawn shops. Not all pawn shops are the same. Some lenders offer higher loans with lower-value mortgages, others offer lower interest rates or longer repayment terms. Check online first to find the best pawnshops based on your needs. [3] X Research Sources
- Online pawnshops can give you a better loan and longer repayment period, but they’re also harder to negotiate, especially if you’re holding a rare piece of jewelry.
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Take your jewelry to several pawn shops around your area to compare. Pawnshops often compete with each other, so if you decide to pawn at local stores, it’s a good idea to visit several different stores to make sure you get the best deal.
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Be careful. Pawnshops can swap out your jewelry for a cheaper one when you’re not looking, so never take your eyes off it. If you haven’t had your jewelry appraised before, bring a scale to show them the weight of the piece. Don’t trust pawn shop scales.
- Don’t let the pawnshop devalue or price your jewelry on its own.
Holding the jewelry
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Negotiate with pawn shops. Once you’ve found the right pawn shop for your needs, don’t be afraid to negotiate for the best deal. The pawn shop clerk can always refuse or bargain with you, so you have nothing to lose by trying to negotiate. [4] X Research Sources
- When negotiating, let the pawn shop set the price first.
- You can negotiate the value of the jewelry, the interest rate on the loan, and the repayment period. [5] X Research Sources
- Be ready to walk away if the pawn shop clerk doesn’t agree with your terms.
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Sign the agreement. Don’t trust pawnshops that won’t do a loan agreement or contract. Make sure that the terms of the loan amount, interest rate and repayment term are clearly stated in the agreement. Remember that the agreement must also include a description of the jewelry. [6] X Research Sources
- Take a picture of the jewelry placed next to the contract at the pawnshop in case there is a dispute later.
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Pay debt on time. Paying off your debt on time is really important so you can safely redeem your item. Pawnshops can’t resell every piece of jewelry a customer brings in, so they usually melt it down and sell it at market price. They will do this as soon as they take possession of the jewelry.
- Therefore, the most likely way for you to get your jewelry back is to pay the debt on the date and time stated in the agreement.
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This article is co-authored by a team of editors and trained researchers who confirm the accuracy and completeness of the article.
The wikiHow Content Management team carefully monitors the work of editors to ensure that every article is up to a high standard of quality.
This article has been viewed 11,248 times.
Pawnbroking is often not the best way to get a loan, as pawnshops often charge high interest rates and will accept a piece of jewelry for only a fraction of its true value. However, if you are in urgent need of money, holding jewelry may be the only option. By having your jewelry appraised, comparing multiple places to find the best loan, and paying it off on time, you can get the money you need and still get your jewelry back!
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