Answers about pawn loans

A pawn loan is a loan against a deposited valuable item. The item serves as collateral, is stored and can be redeemed within the agreed conditions.

You bring the item to a pawnshop branch. It is checked there, the possible loan amount is explained and, if you accept, the pawn agreement is concluded on site.

No. With a pawn loan, the deposited item is the key security. It is not a traditional bank loan, but a loan against collateral.

A pawn loan is tied to the deposited item. Whether and which additional checks may be required in an individual case is explained by the branch on site. A binding answer depends on the specific case.

For the valuation of the item, the value of the collateral is the main factor. At the same time, legal identification and documentation obligations may apply depending on the transaction.

Suitable items can include jewellery, watches, precious metals, coins, bars and, depending on the branch, other high-value objects. Whether an item is actually suitable is decided after inspection on site.

Yes, jewellery can be checked for a pawn loan. Material, weight, fineness, condition, stones, authenticity and recoverability are important.

Gold bars, silver bars, gold coins and silver coins can be checked. Material, fineness, weight, authenticity, condition and market situation are decisive.

High-value watches can be checked depending on brand, condition, authenticity, documents and market value. A precise answer is only possible after inspection.

Such items can only be checked depending on the branch. Not every branch has the necessary requirements or storage options. For special objects, calling in advance is useful.

The value depends on material, condition, authenticity, weight, fineness, recoverability and market situation. For jewellery, watches or special objects, additional factors may play a role.

No. A binding amount requires inspection of the specific item on site. By phone, the branch can explain which information and documents may be useful.

The term is explained before conclusion and is set out in the pawn agreement. Renewal and redemption options are also discussed on site.

The specific costs are explained before the agreement is concluded. The pawn agreement and the applicable legal framework are decisive. Concrete conditions should only be displayed if they are clearly confirmed in the current project content.

Once the item has been checked and you conclude the pawn agreement, payout takes place after identity verification as part of the transaction.

Payout is made in accordance with legal requirements and depends on the specific transaction. The branch will explain on site which payout method is possible.

Please bring a valid identity card or passport. Documents relating to the item, such as certificates, invoices, boxes or proof of authenticity, can be helpful.

Redemption must be carried out with the necessary agreement documents and after the required checks. If another person is involved, please clarify the exact process with the responsible branch in advance.

A renewal can be checked at the responsible pawnshop branch. Please bring the agreement documents with you.

Redemption takes place at the responsible pawnshop branch. Please bring the agreement documents and a valid identity document with you.

If you can see that redemption or renewal will not be possible in time, contact the branch early. The pawn agreement and legal rules remain decisive.

Whether partial payments or other solutions are possible depends on the specific agreement and case. The responsible branch can check and explain the situation.

The item is stored during the term. Secure storage is a central part of the pawn business.

If a pawn is not redeemed or renewed, the contractual and legal rules apply. The further process is explained before the agreement is concluded.

No. Deadlines and rules apply to unredeemed pawns. The specific assessment depends on the pawn agreement and legal requirements.

A pawn auction is the realisation of unredeemed pawns according to the applicable rules. Dates and information are announced separately.

Surplus proceeds can arise if realisation results in an amount above the claim. The specific treatment is based on the legal and contractual rules.

Information about pawn auctions is available on the corresponding page in the pawnshop section. Dates and notices are published there when an auction is scheduled.

Rheinische Edelmetall offers pawn loans at the pawnshops in Aachen and Düren. The other locations Herzogenrath, Würselen and Alsdorf are gold buying branches.

No. Herzogenrath, Würselen and Alsdorf are gold buying branches. For pawn loans, please use the pawnshops in Aachen or Düren.

In many cases, you can visit the responsible pawnshop branch during opening hours without an appointment. For special items or extensive cases, calling in advance is useful.

Please bring a valid identity card or passport, the item and any available documents such as invoices, certificates, boxes or proof of origin.

Yes. By phone, the branch can explain which information may be helpful. A binding value, however, is only determined after the item has been checked on site.

Inherited items can be checked. If documents about origin, invoices, certificates or other proof are available, please bring them with you.

Personal data may be processed for pawn loans, identity checks and legal documentation obligations. Details are available in the privacy information and notices on site.

The branch pages show address, contact details, opening hours and directions. For pawn loans, the pawnshops in Aachen and Düren are responsible.