Pawnbroking is a quick, easy and straightforward way to borrow cash.

You bring an item of value to your local Ramsdens branch, our trained staff value your item and agree a loan amount with you that you feel comfortable about repaying. We give you the cash and keep your items safe and secure until you come back to repay your loan and collect your items.

Interest accrues on a daily basis therefore the sooner you repay your loan the cheaper it is.

Our monthly interest rates are lower than our main competitors and our representative APR is 162.54% for a primary 5 month loan term.

See below for more details or visit your local branch.

What is a Pawnbroking Loan?

A Pawnbroking Loan is a short-term loan secured against items of gold, silver, diamond jewellery, quality watches and selected electronic items. The amount of the loan is dependent on the item(s) provided as security.

A Ramsdens Pawnbroking Loan has a loan term of 5 months. During the loan term you have the option of either:

  • Repaying the loan (loaned capital and accrued interest) at any time during the contract period and your item(s) will be returned to you.
  • During the term of the loan you can make payments of any amount and at any time to suit you. By making these payments you will reduce the cost of your loan. When you make your final payment to repay the loan you will receive your item(s) back.

What does it cost:

Our interest rates are variable depending upon how much you borrow. Please ask your local branch for more information or e-mail us at

Representative Example:
Total amount of credit £111 for 5 months
Total amount payable £165.95
Total charge for credit £54.95
Interest rate 118.8% pa (fixed)
Representative APR 162.54%

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, Ramsdens Pawnbrokers would not recommend taking out a Pawnbroking Loan charges interest monthly which means the cost of credit could work out to be cheaper than unauthorised bank fees. (Representative APR 162.54%)

If you do not repay your loan:

In the event of you being unable to repay your loan, your item(s) will be sold in order to repay the amount outstanding. If the proceeds of the sale are greater than the amount due under the loan, including the costs incurred for selling the items, these monies will be repaid to the customer.

What do Ramsdens Pawnbrokers lend against?

At Ramsdens Pawnbrokers you can borrow cash against your gold, silver, diamond jewellery, quality watches and selected electronics. Below are some examples of the items that we regularly lend against for our customers. If you have any queries regarding the items listed 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
  • Selected mobile phones
  • 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
  • Selected electronic tablets


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 Pawnbrokers 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 Pawnbrokers staff made me feel at ease with the whole situation.

Mrs Brown from Carlisle

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