How Pawnbroking Works 

Pawnbroking is the way of raising money using the security of your jewellery. Bring your jewellery in and we’ll discuss with you an amount that we can loan or an amount that you need. If we agree on an amount then we complete the paper work and loan you the cash. The loan is for up to seven months, but the earlier you come back the less interest you’ll pay. We can provide a breakdown of repayment amounts over the course of the loan, so you’ll know exactly the amount of interest that's being added to the amount we loaned you. 

Our Monthly Interest Rates 

Our monthly Interest Rates 

Loan Amount 
Simple Monthly Interest Rate (fixed) 
APR% (fixed) 
£5 - £5,000 
8.50% 
123 
£5,001 - £7,500 
7.49% 
106.3 
£7,501 - £10,000 
6.49% 
90.3 
£10,001 - £15,000 
5.49% 
74.8 
£15,001 and above 
4.49% 
59.9 

Representative Example £100 Loan 

Loan Amount 
Period 
Total amount payable 
Monthly rate 
£100 
5 weeks 
£113.3  APR 123% (fixed) 
8.5% (fixed) 
£100 
10 weeks 
£122.34  APR 123% (fixed) 
8.5% (fixed) 
£100 
15 weeks 
£132.09  APR 123% (fixed) 
8.5% (fixed) 
£100 
7 Months 
£159.50  APR 123% (fixed) 
8.5% (fixed) 

Representative Example £500 Loan 

Loan Amount 
Period 
Total amount payable 
Monthly rate 
£500 
5 weeks 
£566.52  APR 123% (fixed) 
8.5% (fixed) 
£500 
10 weeks 
£611.68  APR 123% (fixed) 
8.5% (fixed) 
£500 
15 weeks 
£660.43  APR 123% (fixed) 
8.5% (fixed) 
£500 
7 Months 
£797.50  APR 123% (fixed) 
8.5% (fixed) 

Representative Example £6,000 Loan 

Loan Amount 
Period 
Total amount payable 
Monthly rate 
£6,000 
5 weeks 
£6716.31  APR 106.3% (fixed) 
7.49% (fixed) 
£6,000 
10 weeks 
£7197.90  APR 106.3% (fixed) 
7.49% (fixed) 
£6,000 
15 weeks 
£7714.02  APR 106.3% (fixed) 
7.49% (fixed) 
£6,000 
7 Months 
£9145.8  APR 106.3% (fixed) 
7.49% (fixed) 

We offer competitive rates, complete confidentiality and a warm and friendly welcome! 

For more information on alternatives to pawnbroking visit www.moneyadviceservice.org.uk 
Bring or Buy is authorised & regulated by the Financial Conduct Authority. 
 
We are members of the National Pawnbrokers Association. 
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