It is quick and easy for you to arrange for some extra cash with Ramsdens using our great Pawnbroking Service. Ramsdens are the largest independent Pawnbrokers in the UK, so you know your jewellery is in safe hands.

Click 'Apply Now' to the right to apply online for your free Pawnbroking pack, or click on 'Apply In Branch' to find your nearest Ramsdens if you would prefer to apply at your local branch.

What is pawnbroking?

A Pawnbroking Loan is a short-term loan secured against any item of gold jewellery or quality watch. The amount of the loan is dependent on the jewellery provided as security. There are no credit checks and anybody over the age of eighteen can be approved for a Pawnbroking Loan. The jewellery is held in our secure premises until the loan is repaid.

What do Ramsdens Pawnbrokers lend against?

At Ramsdens Pawnbrokers you can borrow cash against your gold jewellery and quality watches. Below are some examples of the items that we regularly lend against for our customers. If you have any queries regarding your gold jewellery or quality watches then please feel free to contact us and we will be happy to answer all of your questions.

We lend against:

  • Ladies rings
  • Omega watches
  • Gents rings
  • Breitling watches
  • Ear rings
  • Cartier watches
  • Bracelets
  • Necklets
  • Chains
  • Chokers
  • Bangles
  • Anklets
  • Pendants
  • Pure gold
  • Brooches
  • Victorian gold
  • Gold coins
  • Antique gold
  • Gold bars
  • Vintage gold
  • Ingots
  • Asian gold
  • Gold watches
  • Diamond rings
  • Rolex watches
  • Diamond set pendants



  1. Apply online for your FREE Premier Pawnbroking Pack using our simple online application form.
  2. When your Pawnbroking Pack arrives simply put the item(s) that you wish to receive a loan against into your FREE prepaid Royal Mail Special Delivery Envelope and post it back to us.
  3. Cash can be paid to you the same day we receive your Pawnbroking Pack.


At Ramsdens Pawnbrokers we specialise in short-term pawnbroking loans with rates starting from 2.5% a month.

We believe in making our Pawnbroking charges and Terms and Conditions transparent and easy for you to understand.

At Ramsdens Pawnbrokers we charge interest on a daily basis and follow the early settlement regulations if your loan is settled early.

The interest rate charged depends entirely on the pawnbroking loan amount:


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, Ramsdens Pawnbrokers would not recommend taking out a pawnbroking loan over a year. A pawnbroking loan charges interest monthly which means the cost of credit could work out to be cheaper than unauthorised bank fees.

Find out more information on pawnbroking

View our pawnbroking terms and conditions


what our Customers Say…

When I took a pawnbroking loan out against my gold, the treatment I received from Ramsdens was exemplary. I was treated with extreme politeness and understanding of my situation. This was my first experience of dealing with a pawnbrokers to borrow cash and I felt very embarrassed but the Ramsdens staff made me feel at ease with the whole situation.

Mrs Brown from Carlisle

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