Do you need money fast? Had difficulty raising a loan elsewhere? Raising cash quickly couldn't be easier...

  • Instant loans (from £10)
  • No Administration of document fees
  • Private room for customer privacy
  • Professional service
  • Competitive rates
  • Members of the National Pawnbrokers Association

How Pawnbroker loans work

We will look at any item and tell you how much we can lend against it. Together we agree the loan amount based onthe value of your item. We give you a contract (liscenced under The Consumer Credit Act 1974) with a term of 6 months. This will be explained to you in our offices.

The goods remain yours throughout the duration of the loan (they are held for security only) and are kept in secure facilities until such time as the loan is repaid.

The goods can be redeemed at any time during the term of the loan by repaying the capital borrowed plus the interest owing up to the point of redemption.

You only pay interest on the number of months that the loan has been outstanding. We then return your items to you.

If the loan has not been redeemed, we write to you towards the end of the 6 month period to remind you that the loan is ending and that it can either:

1. be redeemed by paying the loan in full i.e. The original loanamount plus 6 months interest.

2. or be renewed by paying 6 months interest only. (giving you a further 6 months to repay the loan.)

If the loan remains unpaid or unrenewed at the end of the 6 month period we would be obliged to the item to retrieve the capital and interest owing.

History of Pawnbroking

The word pawn comes from the latin word pignus (which means pledge) and then when items have been left pawnbrokers items are then pawned to the brokers these items can also be known as terms such as pledges, pawns and collateral.

There is evidence that pawnbroking may have existed in China up to 3000 years ago, and it is also said to be a familiar feature in the cities of classical Greece and Rome. Pawnbroking as we know it today can be traced to the middle ages but it was only in the middle eighteenth century that the distinctive symbol of pawnbroking, the three golden balls, was generally adoptted by the prefession. It derives from the coat of arms of the Medici Family, in whose territory the Lombard goldsmiths originated.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at

Wardbar Ltd T/A Renalls Jewellers is authorised and regulated by the Financial Conduct Authority, Permission no. 740956.


Top prices paid for Gold / Silver jewellery etc.

Pawbrokers in Southend on sea, Essex 

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