Use your jewellery to raise cash!
Instantly turn your jewellery into cash with H&T's pawnbroking service. Just bring the item or items of jewellery down to your local H&T and our highly trained and friendly staff will be able to get you your cash in minutes.
We charge monthly interest on the loan and you can reclaim your goods at any time within 6 months. You simply repay the loan and any outstanding interest. There are no credit checks or handling fees and all loans can be renewed.
Our rates
| |
Amount Borrowed |
Interest over
6 Months |
Total
Repayable |
APR |
| |
|
|
|
|
| H&T Pawnbroking |
£300 |
£144 |
£444 |
119% |
Q&A
How does the Pawnbroking Agreement work?
The loan agreement is for six months and at any point during that period you can:
- Redeem the agreement - This is the most common option for customers, you pay H&T the value of the loan, plus the interest accrued to date and you get your items back.
- Renew the agreement – If you don’t have all the cash you need to redeem then you pay H&T the interest only and a new loan agreement is issued for a further 6 months. Many customers will also pay a little off the loan at this point as well.
What happens if I don’t pay back?
Don’t worry about it! We will write to you to let you know that your agreement is coming to an end and if you don’t want the goods back then we will sell them to repay the loan.
This is all explained on your agreement, but the important thing is you are not in debt, and you will have nothing more to pay. We do not inform credit reference agencies and you are welcome to use our services again.
What sort of jewellery do you accept?
You can use all sorts of jewellery to get your cash including rings, watches, bracelets, earrings, bangles and chains.*
* jewellery should be gold or diamond set
We want your visit to your local H&T branch to be a worthwhile one, so please bring with you the required ID. With all items please bring originals, photocopies are not acceptable.
- Letter detailing your address - dated within the last 3 months such as a gas bill, tenancy agreement or catalogue statement
- New customer - Simply print out the vouchers and take them to your nearest H&T store and you will get up to £10 cashback!
- Recommend a friend - If you have a friend who you think could benefit from one of our offers, then print off these recommend a friend vouchers and you could earn both of you up to £10 cashback!
