Our pawnbroking service offers money against rings, necklaces, earrings, bracelets, bangles and in fact most items of jewellery. These are held as security against your loan.
How it Works
Simply come along to one of our 7 branches with the items you wish to pawn with suitable ID and proof of address for example a driving licence and utility bill. Our team will give you a no obligation valuation there and then. Agree what you want to borrow and receive your cash.
All items are returned to you when the loan along with the interest due are paid. You must be over 18 and the representative APR is 144.8% for a seven month loan
money against most items of jewellery
If you borrow £120 and repay over 7 months at an annual interest rate of 117.60% (fixed) then you will repay a total amount of £202.32, comprising of interest of £82.32, in a single instalment. The representative APR is 144.8%
Your Jewellery, Gold or Silver are required as security against the loan. If you fail to repay on time any items you pawn may be liable to sale.
We pride ourselves on the high levels of customer service we provide to all our customers.
We belong to The National Pawnbrokers Association.
Cheques and Change take responsible lending very seriously. Please click here for more information.
Please click here to read our Complaints Procedure in full.
Recent proof of your address (such as a utility bill, bank statement, Government issued letter etc.) and a bank card, or current photographic ID (such as Passport, Driving Licence, Freedom Pass etc.)
Where possible please provide both proof of address and photographic ID. Please bring orginals, as photocopies cannot be accepted.
Pawnbroking Representative Example
If you borrow £120 and repay over 7 months at an annual interest rate of 117.60% (fixed) then you will repay a total amount of £202.32, comprising of interest of £82.32, in a single instalment. The representative APR is 144.8%.Your Jewellery, Gold or Silver are required as security against the loan. If you fail to repay on time any items you pawn may be liable to sale.
We strive to offer a high quality service but if you should be unhappy with any aspect of our service then please do get in touch. Please click here to review our complaints procedure.
Registered Number 2887296. Registered address 40A East Street, Bedminster, Bristol BS3 4HD All loans subject to status. Customers must be aged 18+. European Change Consulting Ltd t/a Cheques and Change is authorised and regulated by the Financial Conduct Authority for the provision of pawnbroking loans. Firm reference Number 664878. Money Service Business No. 12113703. VAT Registration 283 8831 63.