Pawning gold jewelry - safe, easy and fast
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HOW DO I GET A PAWN LOAN FOR MY GOLD JEWELRY?
To get a pawn loan, it is important to know the value of your gold first. Normally, you will find the trade name or the carat number stamped into your piece of jewelry.
You will find the most common alloys in the following list:
KARAT | NUMBER OF FINES | FEINGOLD SHARE |
|---|---|---|
24 | 999 | 99,9% |
22 | 916 | 91,6% |
18 | 750 | 75.0% (mixed with silver & copper) |
14 | 585 | 58.5% (mixed with silver & copper) |
9 | 375 | 37.5% (mixed with silver, copper, zinc & tin) |
8 | 333 | 33.3% (mixed with silver, copper, palladium and other metals) |
Once you have found the stamp, you can enter the weight and number of carats of your piece of jewelry online in the gold calculator and immediately see your possible loan amount.
If there is no hallmark (stamp) on your piece of jewelry, you can also visit the pawn shop to have the fineness checked and/or have your jewelry weighed.
To take out your pawn loan, you can either bring your gold jewelry to the store, have it sent to you or have it picked up. If you wish, you can receive your money immediately in cash or as a PayPal or bank transfer - at the end of the 30-day term, you can extend, reduce or settle your loan online in your account.
WHAT ADVANTAGES DO I HAVE OVER A NORMAL LOAN?
Your financial situation does not play a role with a pawn loan.
You therefore do not have to provide any information about the intended use.
You don't have to fill out lengthy applications or provide account information.
There is no query in the debt register, such as with KSV.
You will be paid out your money immediately and without waiting.
You can decide for yourself how much you want to reduce your loan at the end of the 30-month term or whether you want to repay it in full.
PAWNING GOLD JEWELRY FROM HOME - IS THAT POSSIBLE?
Yes, CASHY makes it very easy. You can not only hand in your gold jewelry in a store in Vienna, Linz or Graz, you can also send it!
WILL MY GOLD JEWELRY BE STORED SAFELY DURING THE TERM?
Your jewelry is stored in our video-monitored warehouse and is insured for 1.5 times its value. So you don't have to worry and can be sure that your gold is in good hands with CASHY.
WHICH GOLD JEWELRY CAN I PAWN?
At CASHY, you can pawn gold jewelry such as rings, necklaces, bracelets and pendants, as well as gold coins, gold bars and even the smallest amounts of broken gold.
WHAT ARE THE INTEREST AND FEES FOR A PAWN LOAN?
CASHY's fees are made up of the following points:
Issuance fee: This fee is paid once when the loan is taken out and amounts to between €1 and €20, depending on the value of the gold.
Custody fee: The custody fee for gold jewelry is €2 per month.
Interest: The interest rate is 3.5% per month.
For example, if you take out a pawn loan for €800, the fees for this will total €45.
IMPORTANT QUESTIONS
Who grants pawn loans?
You can get pawnshop loans directly from a pawnshop or online at www.cashy.at.
How quickly will I get my money?
In the store you will receive your money immediately, in the case of shipping at the latest 1 day after receipt of the goods.
What is the term of a pawn loan?
The term is 30 days and can be extended at any time.
What happens if I can't pay my loan?
You can also pay only a partial amount at the end of the term or extend your loan. If you are unable to pay at all, your item will be auctioned off after a waiting period and you will be paid out any surplus less fees.
Can I also sell my gold jewelry to CASHY?
Yes, the payout amount is higher in this case. As with the pawn loan, you also have the option of sending your gold jewelry or having it picked up.