Cash Converters provide a pawnbroking service that allows access to cash by using items of value as collateral for a loan.

Pawnbroking allows you to loan against any item of value that you own. You simply flip it for instant, on-the-spot cash. It’s quick, easy and hassle-free, plus you have the option to flip it back and keep your item of value when you have repaid the loan in full.

How do loan repayments work?

Depending on which state you reside in, interest is paid based on a one month loan (available in NT, SA, VIC and TAS) or three month loan (available in ACT, NSW, QLD and WA). Here’s an easy way to understand how your repayments will work.


To find out how much cash you could get for your goods, use our What’s it worth tool to get a quick online quote, or drop into your local store today and have a chat with us.

We provide instant cash for everything from jewellery, watches, iPhones, laptops and guitars, to bigger items such as jet skis, cars and boats.

You can find out more about our big loans from your local store

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Pawnbroking FAQ

Frequently asked questions about Cash Converters' Pawnbroking:

  • How does a pawnbroking loan work?

    You can take out a Pawnbroking loan with us by using an item of value 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.

  • What can I loan on?

    You can loan on most items of value 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.

  • What information do I need to provide to get a Pawnbroking loan?

    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.

  • I have a bad credit rating. Can I still get a loan?

    Yes. Your item of value is used as security for the loan, so a credit check isn’t required.

  • How long does the loan go for?

    Pawnbroking loans can last between one and three months, depending on which state you’re in. Check with your local store for more information.

  • When do I pay interest on my one month loan? (Available in NT, SA, VIC and TAS)

    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.

  • When do I pay interest on my three month loan? (Available in ACT, NSW, QLD and WA)

    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.

  • Can I extend my loan?

    Yes, you can extend your loan by continuing to make in-store monthly interest payments. Each time you pay a month’s interest, your loan will extend by an additional month. If you can’t make it in-store by the payment due date, contact the store for assistance.

  • What happens if I don’t pay the loan back?

    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.

  • If I don’t pay the loan back, can I get another loan if I need it?

    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.

  • I still have a loan in with you, but I have just had an unexpected bill come up. Can I have more than one loan going at the same time?

    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.

You can find out how we work out a fair price for your goods here.

Eligibility criteria and strict ID guidelines apply, so be sure you know what you need before you visit a store. To find out more about ID requirements, click here.