As seen on the TV - Channel

Excellent on Trustpilot
Call Now: 0800 048 8796

As seen on the TV - Channel

Excellent on Trustpilot
Call Now: 0800 048 8796

As seen on TV - Channel

Excellent on Trustpilot
Call Now: 0800 048 8796
How it works2026-05-20T09:47:41+01:00

How Pawnbroking Works

A simple, secure way to borrow against your valuables without selling them.

Get A Loan In 3 Simple Steps

1: Contact Us

Call Now to receive a free loan or sell offer:
0800 048 8796

Alternatively submit an online form or visit us in store.

2: Get Offer

Our specialists will then provide you with a competitive loan or sell offer.

3: Get Funds

Once your offer is accepted you will receive an Instant Payment in cash or by bank transfer if preferred.

It really is that simple!

Why use a Pawnbroker

  • No credit checks
  • No minimum loan duration
  • Same-day payment
  • No monthly repayments
  • Keep ownership of your item

Why use Posh Pawn

  • Trusted UK Luxury Pawnbroker
  • As seen on the Hit Channel 4 TV Show Posh Pawn
  • Rated 4.8 Stars across 700+ Reviews on Trustpilot
  • Over £100 million in Loans Issued since 2008
  • Nationwide Service

Prefer to sell your item instead?

If you’d rather not take out a loan, you can also choose to sell your item for a one-time cash payment.

Selling is a straightforward option if you no longer need the item, as you receive the full value upfront with no repayment required.

Pawnbroking, on the other hand, allows you to borrow against your item while keeping ownership.

Which option is right for you?

  • Choose pawnbroking if you want to keep your item and access funds temporarily
  • Choose selling if you no longer need the item and want a one-off payment

How It Works FAQs

Below are the most frequently asked questions about loaning or selling with us.

What Items Can I Pawn?2026-05-19T16:09:34+01:00

We provide loans against a wide range of high-value items, including jewellery, watches, designer handbags, gold, art, antiques, fine wine, coins and other collectables.

Each item is assessed individually based on its value, condition and market demand to provide a competitive loan offer.

Is My Item Safe During The Loan?2026-04-16T09:49:17+01:00

Yes. Your item is stored securely in our vaults for the duration of the loan. It remains fully protected and is returned to you once the loan is repaid.

What Happens If I Can’t Repay My Loan?2026-04-16T09:51:49+01:00

If you’re experiencing financial difficulty, we encourage you to speak to a member of our team as early as possible. We can discuss options to help make repayment more manageable, as our goal is always to help you reclaim your item.

If the loan is not repaid, the item may be sold at auction to recover the outstanding balance. If the sale exceeds the amount owed, you will receive any surplus funds.

How Quickly Can I Get Paid?2026-04-16T09:54:05+01:00

Once your item has been assessed and you accept the loan offer, funds can be arranged the same day, either in cash or by bank transfer.

Can I Repay My Loan Early?2026-04-16T09:56:29+01:00

Yes, you can repay a  loan early, which will terminate your loan before the end date. Paying off the loan before the agreed term may reduce the total interest you pay.

Can I Visit a Store Near Me?2026-04-16T10:03:01+01:00

Yes. We have multiple locations across the UK, including London, Surrey and Manchester, where you can bring your items in for an in-person valuation.

Our specialists can assess your item on the spot and provide a sameday offer.