NPA Member · FCA Regulated
We provide pawn loans exclusively on 18ct gold jewellery and above — with a single transparent rate and a philosophy that always puts you first.
We do one thing: gold pawn loans. No complexity, no hidden products. Just a clear, honest service with fixed terms.
Bring in your gold jewellery — 18ct and above — and receive a fair cash loan the same day. We assess your item transparently, agree a loan amount, and hold your piece securely until you redeem it. No obligation to proceed at any point.
Enquire now2.4% per month — 32.9% APR representative. The same rate applies to every loan, regardless of size. You will always see the complete cost before committing. No tiered pricing, no hidden charges, no surprises.
See how it worksOne transparent rate. No exceptions.
APR Representative · 2.4% Per Month
"We put the customer's interest at the forefront of everything we do."
N & R Pawnbrokers is a fully licensed, FCA-regulated pawnbroker and proud member of the National Pawnbrokers Association — the benchmark for professional and ethical standards across the UK industry.
By specialising exclusively in gold jewellery loans, we give every customer our fullest expertise: the fairest assessment, the clearest terms, and a service delivered with discretion and respect.
We accept all gold jewellery at 18ct or above. Items below 18ct cannot be accepted.
Come to 1a Sibley Grove, Manor Park. Monday to Saturday, 10am – 5pm.
We assess your gold jewellery honestly, at no cost and with no obligation whatsoever.
Based on your specific item — its weight, carat, and condition — we create a loan offer built around you. No generic pricing. Every offer is individual, fair, and explained clearly before you decide.
We present your offer at 2.4% per month (32.9% APR). Take your time — you are never under pressure to proceed.
Accept and collect your cash the same day. Your jewellery is stored securely.
Repay the loan in full or make part payments at any time. Early and partial repayments always welcome.
Interest is charged daily at 0.08% per day — that's 2.4% per month (32.9% APR representative). The less time you borrow for, the less you pay. Part payments reduce your balance immediately.
Quick examples
Based on a £500 loan
Enter an amount to see how a part payment saves you interest
Representative example only. 32.9% APR representative. Actual figures confirmed at agreement.
All enquiries handled with complete confidentiality. No obligation whatsoever.
Fill in the form and tap Send — it will open WhatsApp with your details pre-filled so we receive it instantly.
A pawn loan can be a helpful short-term solution — but we also care about your wider financial health. Here is some honest guidance.
Ask yourself: is this loan for an essential need? Can the cost be covered another way — savings, a family loan, or a payment plan with the creditor? Borrow only what you need, for the shortest time possible. Interest adds up daily.
Write down your monthly income and all outgoings. Identify where you can reduce spending — subscriptions, takeaways, unused services. Even saving £10 a week builds a buffer that reduces the need to borrow in future.
You may be struggling with debt if you: borrow to repay other debts, regularly run out of money before payday, feel anxious about money, or avoid opening letters or calls. These are signs to seek help — not signs of failure.
Free, confidential debt advice is available in the UK. StepChange (0800 138 1111), National Debtline (0808 808 4000), and Citizens Advice can help you make a plan — with no judgement and no cost.
Try to save a small emergency fund — even £200–£500 — so unexpected costs don't push you into borrowing. A basic bank account, budgeting apps like Monzo or Emma, and the government's Help to Save scheme can all help.
Financial stress is one of the most common causes of anxiety and depression. If money worries are affecting your mental health, please speak to someone — your GP, Mind (mind.org.uk), or Samaritans (116 123, free, 24/7).