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You can find everything you need to know about a pawn loan with CASHY on our clear FAQ page. Get answers about your account area, data protection, general questions or specific items.
Money services by CASHY
More information
Sell or pawn another item with CASHY
To sell or pawn your item, CASHY only requires a few steps. Let us know what the item is and describe its condition as accurately as possible. This will enable us to make you an offer as quickly as possible.
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We are via WhatsApp if you have any questions about processing your pawn loan. Just write to us!
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Make money with CASHY in 3 steps
1
Choose your item and find out immediately how much money you will receive from us.
2
Come to our store or simply send us your item.
3
That's how fast you get the money: You get it in cash or by bank transfer (bank or PayPal).
Great staff, helped us a lot. I would recommend it to anyone here and they have really reasonable fees. As a person you are really appreciated here!
ali etemov
The most frequently asked questions to CASHY
In a test carried out by the Chamber of Labor, CASHY impressed not only with the best price-performance ratio but also with its high level of transparency and unbureaucratic online processing with estimated values of items and fees in real time.
CASHY also bears the seal of approval of the Austrian Federal Economic Chamber.
CASHY shows you a clear overview of all your fees at all times, updated daily. Our CASHY support team is always available for you.
With a pawn loan, you receive a loan and give us collateral during the term of the loan. CASHY accepts collateral such as electronics, jewelry, luxury watches, designer bags and many more.
Yes, at CASHY you will receive a loan on the same day if you bring your collateral to one of our stores and we can accept it. You can see how much money you would receive for your collateral on our website.
The costs for a pawn loan with CASHY are made up of the issuance fee, interest (1.75% per half month) and the custody fee. In the following example, we show you how high the fees for a pawn loan for a smartphone with a 30-day term are and how they are made up:
Loan amount: € 140.00
Issuance fee: € 5.00
C ustodyfee: € 4.00
Interest: € 4.90
Total fees: € 13.90
In another example, we show you how high the fees are for a pawn loan for a tablet with a term of 30 days and how they are made up:
Loan amount: € 1,000.00
Issuance fee: € 20.00
Custody fee: € 4.00
Interest: € 35.00
Total fees: € 59.00
You can find all further information about interest and fees at CASHY in our clear fee schedule.
Please note: A pawn loan is suitable for short-term bridging due to the short term of 1-3 months. The interest rate is 1.75% per half month, which corresponds to 42% per year. For example, if you were to keep renewing your pawn loan with a term of 3 months and reach a total term of 1 year, the fees would be as follows:
Loan amount: € 1.000,-
Issuance fee: € 80
Custody fee: € 46
Interest: € 420
Total fees for 1 year (term not offered in this length): € 546,-
A pawn loan is only possible with collateral. However, at CASHY you have many options for taking out a pawn loan. We accept a wide range of pawned items, such as electronics, jewelry, designer bags, tools, cars and much more.
Items such as clothing, furniture, bulky goods (washing machines, refrigerators, ovens, dishwashers) or weapons cannot be pawned or sold at CASHY.
The minimum amount varies depending on the type of item. Fill out our online form to see how much money you would get for your collateral.
The CASHY stores are located at three locations in Austria:
CASHY Shop 1070: Burggasse 117, accessible by subway U6 (station Burggasse/Stadthalle)
CASHY Shop 8010: Tummelplatz 5, GR 1, 8010 Graz by city bus 30 (station Tummelplatz)
CASHY Shop 4020: Figulystraße 3, 4020 Linz (station Goethekreuzung)
If you would like to send your collateral to us, the fee for this is €5.00
We will send you an address label for shipping your parcel by email.
The shipping company is liable for a maximum of EUR 520 if your collateral is damaged during transport. To ensure that you are always on the safe side, you should make sure to pack your collateral carefully or bring it directly to our store. Please contact us if you would like to insure your collateral additionally.
We keep your collateral safe for you in our video-monitored warehouse during the loan term. In addition, your collateral is insured for 1.5 times its value while it is stored by us.
While your pawn loan is running and your collateral is stored at CASHY, it is insured for 1.5 times the value of the device.
The term of a pawn loan can be between one month and three months and can be extended at any time if required. After the expiry of your pawn loan and a 4-week grace period, your collateral will be liquidated in your best interest. You will receive three notifications until your collateral is liquidated by CASHY. If the proceeds from the liquidation exceed your outstanding loan amount, you will be paid out the surplus. However, if the liquidation proceeds are lower than the outstanding amount, you are no longer liable to pay. This means there is no additional risk for you.
If you extend your pawn loan, you will be charged a small partial amount. This is made up of the interest and fees that have accrued up to the date of the extension. You can also check your fees online in your account at any time.
If the value of your collateral has fallen sharply during the collateral loan term, you must make a corresponding partial repayment.
If you repay the outstanding amount in our store, you will receive your collateral back immediately. If you repay the amount online, you can choose whether you want to collect your item from the store or have it sent back to you.
CASHY only requires an official photo ID from you if you want to take out a pawn loan.
The following brands of designer bags are evaluated by CASHY and accepted where applicable:
Balenciaga
Bottega Veneta
Burberry
Celine
Chanel
Chloe
Dior
Fendi
Goyard
Gucci
Louis Vuitton
Prada
Saint Laurent
Your personal data will never be passed on unless you give us your express permission to do so.
If you are unable to repay the amount borrowed for your collateral and are unable to extend your pawn loan, your item will be auctioned off. If the proceeds exceed the amount of your pawn loan plus fees, you will of course be paid out the difference.
You can have the money for your item paid out in cash or as a transfer to your PayPal or bank account. Due to the Money Laundering Act, cash payouts are possible up to a maximum of EUR 9,999. For higher payout amounts, the difference will be transferred to your account.
The costs for a pawn loan with CASHY are made up of the issuance fee, interest (1.75% per half month) and the custody fee. We will show you how much the fees for a pawn loan for a bag with a term of 30 days are and how they are made up:
Loan amount: € 1.000,-
Issuance fee: € 20,-
Custody fee: € 4,-
Interest: € 35,-
Total fees: € 59,-
You can find all further information about interest and fees at CASHY in our clear table of fees.
Please note: A pawn loan is suitable for short-term bridging due to the short term of 1-3 months. The interest rate is 1.75% per half month, which corresponds to 42% per year. For example, if you were to keep renewing your pawn loan with a term of 3 months and reach a total term of 1 year, the fees would be as follows:
Loan amount: € 1.000,-
Issuance fee: € 80
Custody fee: € 46
Interest: € 420
Total fees for 1 year (term not offered in this length): € 546,-