Frequently Asked Questions

  • Q: Who are Mays Pawnbrokers & Jewellers?
    A: We are one of the oldest pawnbrokers in the country and have been serving the Greater Manchester public since 1825.
  • Q: What do you lend against?
    A: We lend against gold and platinum jewellery, gold coins and quality watches.
  • Q: What if my gold or platinum is unhallmarked?
    A: We lend on unhallmarked gold and platinum. We will test your unhallmarked gold or platinum upon receipt and make a loan offer against it.
  • Q: Do you lend on jewellery that is not gold or platinum?
    A: No, we do not lend against silver, gold-plated or costume jewellery.
  • Q: Do you lend against damaged or broken jewellery?
    A: In most cases, we do not lend money on damaged or broken jewellery. However, we will offer to buy your broken gold jewellery.
  • Q: How are loan offers calculated?
    A: Our team of established and experienced staff use different factors when calculating both provisional and confirmed loan offers. These include current market values and saleability of an item if the loan is not repaid. There are also individual factors specific to each piece of jewellery such as gold weight and where there are gemstones included, such as diamonds, we use the 4 C's to help us calculate a value. The 4 C's are Colour, Cut, Clarity and Carat.
  • Q: How much does it cost?
    A: Our rates depend on the loan amount, please check our rates here.
  • Q: Will my credit history be checked?
    A: No, this would be a loan secured on your jewellery.
  • Q: When do I receive money?
    A: This depends on how you would like to receive your money. If you would like to receive your money by cheque or postal order, it will be posted first class within 24 hours of the loan acceptance. If you would like to be paid straight into your account, this will take between 1-3 days depending on your bank.
  • Q: Would my jewellery be stored safely?
    A: Yes, we have secure vaulted storage and any items taken in are securely stored this way until the loan is repaid, at which point the items are returned to you.
  • Q: Why should I pawn my jewellery online?
    A: There are many reasons customers choose to pawn their goods online. These include:
    1. Customers who do not live locally to one of our branches
    2. Customers who want an idea of what they can borrow before they leave their home
    3. Using our online pawnbroking service offer total privacy
    4. Customers can feel vulnerable carrying expensive and valuable items to pawnbrokers before they even get a loan offer
  • Q: Are items insured when posted?
    A: Our pre-paid padded packets are fully insured up to £10,000 and trackable through Royal Mail's online parcel tracking system. This is the best way to send your items and offers our customers complete piece of mind.
  • Q: What happens if I change my mind?
    A: If you do not accept our loan offer, we will simply send your jewellery back to you free of charge. After accepting a loan offer and receiving your funds, you will have 14 days to cancel the loan agreement, which you must do in writing. You will be required to pay your loan back in full along with an administration fee. (The administration fee will be equal to any interest which would have accrued during this period and the cost of returning your items using Royal Mail Special Delivery.)
  • Q: When can I repay my loan?
    A: You can repay your loan at any time. Interest is calculated on a monthly basis. We will calculate your loan and any interest accrued for you.
  • Q: How long does the loan last?
    A: The loan agreement is 7 months and you must repay the loan during this period to avoid your jewellery items being put up for sale. We will contact you before your jewellery is placed on sale to remind you.
  • Q: What if I cannot repay my loan?
    A: If you are unable to repay your loan within the agreement period, you will have the option of extending your loan by simply paying any interest that has accrued. You will then be given a new agreement.
    If you are unable to repay your loan or extend it, we will sell your items to repay the loan and interest. Once we have repaid the loan, accrued interest and deducted any associated selling costs from the proceeds of the sale, any surplus monies will be paid back to you.
  • Q: Can I extend my loan more than once?
    A: In order to keep your jewellery safe, you may extend the loan as many times as you wish. Bear in mind each time you extend the loan you will have to pay the interest accrued.

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