• No credit checks - Your credit score isn’t a factor, making it ideal if your credit history is less than perfect.
• Fast access to cash - Walk in with your item and walk out with a loan, often within 10 minutes.
• No impact on your credit score - Since there's no credit check, your credit file isn’t impacted.  If you don’t pay the loan back, there’s no impact on your credit rating, no debt collectors involved, and no there’s no further recourse. You can still apply for other pawnbroking loans in the future.
• Retain ownership of your item - If you don’t want to sell your item, a pawnbroking loan allows you to get your item back once the loan and interest are repaid. 
• Perfect for short-term needs - Ideal when you need cash on the spot for unexpected expenses.

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 of January, you will owe the amount you borrowed plus one month of interest up until and including the 1st of February. You have until the 1st of February to repay the loan and redeem your item.

If you take out a three month loan on the 1st of January, you will owe the amount you borrowed plus one month of interest up until and including the 1st of February. Then from the 2nd of February up to and including 1st of March, you will owe the amount you borrowed plus two months of interest and from 2nd of March to 1st of April, you will owe the amount you borrowed plus three months of interest. You do not need to wait until the 3 month due date to pay the amount owing and redeem your item, you can do this at any time during the three month period. By redeeming your loan before the due date, you may be able to reduce the amount of interest you are charged.

Yes, you can extend your loan by paying one month's interest. Each time you pay a month’s interest, your loan will extend by an additional month. You can make payments in-store, via My Loans or online (online payments currently not available in NSW). If you can't make a payment by the due date, you can 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.

1. Bring in your item with accessories along with your ID. ID requirements are different in each state so it’s best to check before you head in-store

2. Our friendly team will ask you some questions about the item and we test the item

3. We negotiate a deal

4. If it’s a deal, you walk away with cash on the spot!

1. You must be 18 or over

2. 100 points of ID

This can include your driver’s licence, Australian passport, utility bill or bank statement.

These are some of the more common types you’ll need, but It’s different for each state, so best to double check before you head in-store. 

We require 100 points of ID as part of the checks and balances that aim to protect our customers and prevent them from buying stolen goods. Along with verifying ID, we ask questions about the item’s origin and may request proof of purchase if ownership is unclear.

We buy a wide range of items of value, like computers, cameras, phones, jewellery, gold, luxury items, power tools, gaming consoles, fashion items and more. Read our article on what Cash Converters buy for more information on the type of goods we commonly buy. If you’re unsure if we buy an item, just contact your local store or fill out a What’s It Worth Online form and our friendly team will be in touch.

To get the best price for your item, here’s what you can do before heading to the store:

1. Gather all accessories and original packaging: Make sure you’ve got everything that came with the item including chargers, cables, manuals, and original packaging. Complete sets are more appealing to buyers and can get you a higher price. If you are selling a luxury item, having the Certificate of Authenticity will help if you have one!

2. Give it a good clean: Take some time to clean your item and make it look as presentable as possible. A little polish or wipe-down can go a long way in making it look well-maintained and worth more.

3. The more the merrier! The more items you sell to us the higher bargaining power you may have.