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Find out how much you could borrow by filling in the form below:

e.g. 18ct Yellow Gold 1.00ct Diamond Cluster Ring

Looking to borrow cash against an item of jewellery or a luxury watch?

Borrow cash against the value of your item(s) with a pawnbroking loan at Ramsdens. To find out how much you could borrow, simply fill out the form on this page to get started. Once complete, one of our friendly and knowledgable staff will be in touch with you to discuss how much you could borrow against your item(s), subject to assessment.

How does it work?

  1. Provide details of your item(s) and how much you are looking to borrow - Simply fill in the form on this page and we will contact you with an amount you can borrow, subject to item(s) being assessed.
  2. Send us your item(s) - We will send you a prepaid Royal Mail Special Delivery envelope for you to send your item(s) into us
  3. Have your loan confirmed - Complete the online form we send you to confirm your loan
  4. Receive your cash - Cash can be paid to you within 1 working day of us agreeing the amount you can borrow against

How much can you borrow against your item(s)?

At Ramsdens you can borrow from £10 to £100,000 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).

What does a Pawnbroking Loan cost?

Our interest rates are variable depending upon how much you borrow. Contact us for more information.

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
Representative APR 154.08%

What is an APR?

An APR (Annual Percentage Rate) is the cost of credit expressed as a yearly rate. A Pawnbroking Loan is not designed to be a long-term loan. A Pawnbroking Loan charges interest daily which means the cost of credit could work out to be cheaper than unauthorised bank fees. (Representative APR 154.08%)