If you do not want to sell a valuable item but want cash on the spot, a pawn loan might be an option.
Pawn a valuable item to leave with us as collateral for a secured, short-term loan.
From phones to gold, we loan on a huge range of items to help make what you want possible. We keep your item safe as security against the loan, and then you pay back your loan when you’re ready to pick it up.
With no establishment fee, no minimum or maximum loan amount, and the flexibility to extend your loan if needed, it’s a fuss-free way to get extra cash in your pocket without parting ways with your item. Some stores also allow you to get a pawnbroking loan against your vehicle.
Head in-store to chat to one of our team members or get a quote online. You’ll need to be 18 years or older with 100 points of ID.
We provided over 592,000 pawn loans for our Australian customers in 2023 alone.
As one of Australia's biggest pawnbrokers, we help our customers get cash when they need it. Whatever your need might be, our friendly team is here to help.
You can take out a Pawnbroking loan with us by using a valuable item you own as security. Some of our stores can even offer the option to loan against your vehicle.
We will hold your item and charge a monthly interest rate on the money you borrow.
When you pay off the loan amount and any interest owing, you get your item back.
A quick guide about how pawnbroking works at Cash Converters.
Hear from one of our experts about all there is to know about pawnbroking.
We loan on all types of gold including ingots, bullion, nuggets and gold coins. Even if your jewellery is broken or damaged it could still be used as collateral for a loan. Our friendly team can value, inspect and test your pieces on the spot, so contact your local store for more information.
We loan on all types of jewellery including rings, chains, earrings, pendants and more. We can also loan against precious stones such as diamonds, emeralds, rubies and more. Our friendly team can value, inspect and test your pieces on the spot, so contact your local store for more information.
We loan cash for items like smartphones, tablets and laptops, musical instruments, sporting goods, power tools and gaming gear. If you’re not sure whether an item you have can be loaned against, contact your local store.
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You can take out a Pawnbroking loan with us by using a valuable item you own as security. We will hold your item and charge a monthly interest rate on the money you borrow. When you pay off the loan amount and any interest owing, you get your item back. Just like a regular pawnbroking loan, you also have the option to get a pawn loan against your vehicle.
You can loan on most valuable items you own, provided that they’re in full working order. For example, we loan cash for items like jewellery, gold, watches, smartphones, tablets and laptops, musical instruments, sporting goods, power tools and gaming gear. If you’re not sure whether an item you have can be loaned against, contact your local store.
To get a Pawnbroking loan, you’ll need 100 points of ID including primary ID like a passport or drivers license, plus a proof of address document (like a power bill or phone bill) that is less than three months old.
Yes. Your valuable item is used as security for the loan, so a credit check isn’t required. Your credit rating will not be affected if you get a pawn loan, and also won't be affected if you can't/ don't pay back the loan.
Pawnbroking loans can last between one and three months, depending on which state you’re in. Check with your local store for more information.
If you take out a one month loan on the 1st January, you will owe the amount you borrowed plus one month of interest up until and including the 1st February. You have until the 1st February to repay the loan and redeem your item.
If you take out a three month loan on the 1st January, you will owe the amount you borrowed plus one month of interest up until and including the 1st February. Then from the 2nd February up to and including 1st March, you will owe the amount you borrowed plus two months of interest and from 2nd March to 1st April, you will owe the amount you borrowed plus three months of interest. You can pay off the amount owing and redeem your item at any time during the three month period.
Yes, you can extend your loan by continuing to make monthly interest payments. Each time you pay a month’s interest, your loan will extend by an additional month. You can make payments in-store, via the My Loans App or online (online payments currently not available in NSW). If you cant make a payment by the due date, contact the store for assistance.
If you don’t make your monthly interest payments or respond to contact from us, we will keep your item in lieu of loan repayment. You won’t be contacted by debt collectors and your credit rating won’t be affected.
Yes, you can. We’ll work with you to understand any issues that prevented you from paying off your last loan, to assist you in getting your next loaned item back.
You can have more than one active pawnbroking loan, though it’s important to be aware of the total amount you owe and when the payment due dates are.
To find out how much you might get for your item, you can use our What’s It Worth tool to get an online quote, or you can head in-store and chat with our friendly staff.
Here’s our simple formula to assess the value of your goods: Age + Condition + Appeal = Value!
You can pawn most valuable items you own, provided that they’re in full working order. Cash Converters accepts most items that are commonly found in households.
Our top 10 items that we will generally pay you cash on the spot for are:
Gold (even scrap or broken gold),
Jewellery,
Mobile Phones,
Tablets,
Laptops,
TV’s,
Game Consoles,
Tools,
Stereo Equipment,
Musical Equipment.
Sometimes there are items Cash Converters cannot accept, such as items prohibited by law (e.g. weapons) or counterfeit items.
For any enquiries about items that you may want to sell or borrow against, you can use our What's it Worth tool for an online quote, give us a call, or bring your items in to your nearest store.
We pay cash on the spot for items of value that you no longer use like a guitar, computer, jewellery, smart phones, tool sets and more. |
Walk into a store and walk out with up to $2,000 in your pocket. Simply make repayments over 4 to 20 weeks. Only available at participating stores. |
Apply in-store or online
for up to $2,000 over a
2 to 12 month term.
Give us a call on 13 CASH (132 274).
Mon to Fri: 9:00am to 7:00pm AEST
Complete our online form and we'll get back to you shortly. Or, get in touch with your local store
Send us an email and we'll get back to you as soon as we can
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