How pawn loans work

DollarDealers pawn loans enable you to unlock the value in your items, without having to sell them. Pawn loans are an immediate solution for individuals and businesses with short term cash needs.

DollarDealers pawn loans are fast, easy and discreet. We do not commit credit checks, nor do we require personal income or banking information.

Amounts lent are based on the value of your items, with fees starting from 5.99%. All pawn loans are paid in cash or bank deposit, same day.

Get an estimate Items we accept

Pawn loan process

Apply online

Complete our estimate form, upload a photo and description of your item.

Get an appraisal estimate

Post reviewing your item(s) one of our team will come back to you with a confirmed price estimate for a pawn loan.

Visit us instore or request a free courier pack

Bring your item(s) instore or request a pack and courier your item(s) to us, insured upto $25,000 and tracked all the way.

Get cash on the spot

Upon accepting of our pawn loan offer and DollarDealers securing your item(s), you’ll receive cash on the spot or the option of a same day bank deposit into your nominated account.

Storage of pawned items

All pawned items are stored securely in a safe, storage facilities or shop storage areas, under 24 hour, 7 day a week monitoring and camera surveillance.

ID requirements

Eligibility criteria and strict ID guidelines apply.

You must be 18 and over to pawn an item with DollarDealers, and will need to provide one form of government issued Photo ID. For example, a valid driver’s license, a firearms license, an 18+ Card or a valid Passport from any country.

Couriered items

Insurance on couriered items is totally free and to the value of $25,000. If we cannot agree on a pawn loan amount that suits you, we will ship your item(s) back to you, completely free of charge, tracked and insured all the way. No questions asked! The courier service is only available to those pawning jewellery, designer bags & accessories.

FAQs about pawning your items through DollarDealers

How does pawning work at DollarDealers?

Pawning your items with DollarDealers is a fast, simple, and secure way to get cash. Simply bring in an unwanted item of value to one of our stores, and we’ll offer you a loan based on what it’s worth. We don’t need to do a credit check, and you get cash on the spot. You have a set period to repay the pawn loan plus interest to reclaim your item. If you can’t repay, the item is sold to recover costs.

What items can I pawn?

We accept a wide range of items including jewellery, electronics, gaming consoles, tools, musical instruments, and luxury handbags. If you’re not sure if your item qualifies, contact us for a free appraisal. Our team is always ready to help you understand the value of your items.

How do you determine the value of my item?

The value of your item is worked out based on its market value, condition, and demand. Our experienced appraisers use industry-standard tools and databases to make sure you get a fair and competitive offer. We consider factors like brand, model, age, and overall condition.

What happens if I can’t repay my pawn loan?

If you can’t repay your loan within the agreed period, the pawned item will be sold to recover the loan amount. However, we understand that circumstances can change, so we offer extensions and renewals. You can discuss your situation with us, and we’ll do our best to accommodate you.

Is my pawned item safe?

Yes, all pawned items are stored securely in our facility. We have 24/7 monitoring, camera surveillance, and secure storage areas to make sure your valuables are kept safe. We treat your items with the utmost care and respect, just as we would our own.

Can I get an estimate online?

Yes, you can use our online estimate form to get an idea of your item’s value before you bring it into one of our stores. Simply fill out the form with details about your item, and one of our appraisers will get back to you with an estimated value. This will help you make an informed decision before you visit one of our stores.

How much can I borrow?

The amount you can borrow depends on the value of the items you pawn. Generally, pawn shops will lend a percentage of the appraised value. Higher value items like cars, boats, jewellery, or electronics could fetch larger instant loan amounts.

Can I get a pawn loan with bad credit?

Absolutely! Pawn loans with DollarDealers don’t require credit checks, which makes them a great option if you have bad credit or no credit history. Your eligibility is based on the value of your items, not your credit score.

What are the costs of pawning?

Our fees start from 5.99% per month. The exact cost will depend on the loan amount and duration. We’ll give you a clear breakdown of all fees upfront, so there are no surprises. You can also discuss repayment terms with us to find a plan that suits your financial situation. To learn more about our fees, visit our cost of borrowing page.

How do I redeem my pawned item?

You can redeem your item by repaying the pawn loan amount plus any applicable fees. Payments can be made in-store or online for your convenience. Once the loan is repaid, your item will be returned to you in the same condition as when it was pawned.

How do I contact DollarDealers for more information?

You can visit our store, call us at 09 666 0770, or use the contact form on our website. Our friendly and knowledgeable staff are always ready to assist you with any questions or concerns you may have.

DollarDealers are proud members of the National Pawnbrokers Association of New Zealand