FAQ

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.

For a more detailed explanation or if you have any further questions please contact us and one of our expert advisers will be happy to help.

Ramsdens Premier Pawnbroking only require Identification if:

• your loan is for more than £500, or
• you choose to be paid by PayPal.

We will accept a copy of any of the following Identification: 

• Passport
• Driving License
• Utility Bill (dated within 3 months) 

If you need any more information then please do not hesitate to contact us and one of our advisors will be happy to help.

A Premier Pawnbroking Pack includes information detailing how simple it is to borrow money against your gold jewellery and quality watches. It also includes a prepaid Royal Mail Special Delivery envelope to allow you to post your jewellery to us free of charge and includes free insurance up to £2500.

Yes, the Premier Pawnbroking Pack contains a prepaid Royal Mail Special Delivery envelope for you to send us your jewellery via your local post office. The envelope is free to return and includes free insurance up to £2500.

Yes. Your Premier Pawnbroking Pack is insured for up to £2500 providing you return your items to us via your local Post Office, using the free Royal Mail Special Delivery Envelope. Any claim, however, must be made direct to the Royal Mail. For further information please feel free to contact us.

If the value of your item(s) when new exceed £2500 in value then please contact us on 01642 818525 and one of our expert advisers will be happy to help.

Please note that 'value' in terms of insurance is the replacement value and not necessarily the price that you paid for the item(s).

Yes. The loan calculator indicates a potential loan amount based on the value of your diamond jewellery when new.

We can offer a loan against all gold jewellery whether it is hallmarked or not.  Please request your free Premier Pawnbroking Pack and send your jewellery to us in the free Royal Mail Special Delivery envelope.

Once received our expert advisers will test the carat of your gold and contact you with the amount that you can borrow.  For more information please contact us and one of our expert advisers will be happy to help.

Unfortunately at Ramsdens Premier Pawnbroking we are unable to offer a loan against items that are broken or damaged. We can however offer to purchase them from you using our award winning Got Gold Get Cash service. Please contact us or visit http://www.gotgoldgetcash.co.uk/ for more information.

We only lend against gold bars if they are UK hallmarked. If you require any more information please feel free to contact us.

No, sorry we only lend against gold jewellery and quality watches.

No, sorry we only lend against gold jewellery and quality watches.

Yes. Ramsdens is the largest independent Pawnbroker in the UK with over 40 branches across Northern England and Scotland.

We are a family owned and run company that has been established for over 50 years. Customer service and customer trust is at the heart of our business and is the key to our continued success. Take a look at our customer testimonials for proof of some of our happy customers.

You can track the status of your pack by logging into your personal Premier Pawnbroking Account and selecting the Applications menu option where you will see all of your applications listed and their current status.

To see how much Ramsdens will lend you against your jewellery please use the calculator on the left.

Simply request a Premier Pawnbroking Pack. When forwarding your jewellery to Ramsdens in the free Royal Mail Special Delivery envelope, please leave the 'price when new' option blank. Having received and assessed your jewellery, our expert valuers will contact you with a loan offer.

The carat is indicated by the 3 digit number of the hallmark. Click HERE to view gold hallmarks.

Once you have accepted the loan amount we will pay the monies to you.

If you wish to be paid by cheque, it will be posted, to you first class by the close of business on the next working day at the latest.

If you decide to have the money paid into your bank account we will use, where possible, 'Faster Payments' available at most major banks and the funds will be in your account on the next working day. If 'Faster Payments' is not available at your bank the monies will take up to 3 working days.

If you decide you would like to be paid by 'PayPal' then the monies will be sent to you by the close of business on the next working day at the latest.

Yes. Included in your Premier Pawnbroking Pack is an Agreement Form asking you to confirm the method by which you would like to receive your cash.

We can either:

• Send your cash direct to your bank account by 'Faster Payments',
• Issue you with a cheque,
• Pay your cash direct to your PayPal account.

When we receive your jewellery, we will evaluate it and then contact you with a loan offer. You can then decide whether you wish to proceed with the loan.

If you do not proceed with the loan, we will return your jewellery to you free of charge via Royal Mail Special Delivery.  

Once the agreement is made, and the funds have been paid to you, you have 14 days in which to cancel the loan agreement. If you decide to cancel the loan, you must notify us in writing. Please email CustomerServices@PremierPawnbroking.co.uk. You will be required to repay your loan in full and pay costs incurred for returning the jewellery to you via Royal Mail Special Delivery.

Premier Pawnbroking Loans are for 7 months. Your loan can be repaid (or extended) at any point during this time.

To repay your loan simply log into your account.

Use the 'Current Loans' tab on the left hand side of the screen to locate the loan that you wish to repay.

Click on the 'Repay' link and follow the simple step by step process to repay your loan.

You can repay your loan at any point within your loan period. You will only be charged the interest accrued to that point.

Interest is calculated and applied on the amount of your loan at the end of each contract month. If you repay your loan early, interest will be charged until the end of the contract month in which you repay.

A contract month means the period commencing on the date the loan was taken out and each consecutive period of a month thereafter during the term of the loan.

If you are unable to repay your loan in full by the due date then you can pay some or all of the accrued interest to extend your loan and keep your jewellery safe.

If you are unable to pay part of the interest to keep your jewellery safe then we have the right to sell your jewellery to repay the loan once your loan has expired. This will not effect your credit rating.

Please contact us for more information.

Your initial loan is for a 7 month period. You can extend this period by paying part or all of the interest owed. The amount you pay determines how long you can extend the loan for; from a minimum of 1 month to a maximum of a further 7 months.

Extending your loan ensures your items are kept secure if you are not ready to repay your loan in full.

To extend your loan simply log into your account.

Use the 'Current Loans' tab on the left hand side of the screen to locate the loan you wish to extend.

Click on the 'Extend' button and follow the step by step process to extend the period of your loan.

Yes you can. You can extend or repay your loan whenever you wish.

A Ramsdens Premier Pawnbroking Loan is uniquely flexible and is designed to suit your own personal circumstances so that you can keep your jewellery safe.

A Ramsdens Premier Pawnbroking Loan is a flexible solution for your short term borrowing needs.

The Ramsdens Savings Account is a unique and simple way for you to conveniently save up to repay your Premier Pawnbroking Loan.

You can add funds to your savings account whenever you wish.

The money in your Savings Account can be used to repay or extend any of your loans with Ramsdens.

If you no longer have any outstanding loans with Ramsdens the balance in your Savings Account will be returned to you upon request.

When you come to repay (redeem) your loan, you will be asked to pay by debit card. If, however, you have a Savings Account you can use this balance to repay or part repay your loan.

Your Savings Account balance can also be used to extend your loan for a further period.

The Ramsdens Savings Account is your uniquely flexible payment solution.