Sell or Pawn Your Gold?

Selling vs. pawning at a glance

¹ Georgia caps pawn interest at 25% per month (300% a year) for the first three months and 12.5% per month after that, according to the Georgia Department of Law’s Consumer Protection Division.

When selling makes sense

• The piece is broken, out of style, a single earring, or sitting in a drawer.
• You’re settling an estate or clearing out inherited jewelry — see our estate guide.
• You want the most cash today with nothing to pay back.

When pawning can make sense

• The item has sentimental value you can’t replace.
• You need a short-term loan and are confident you can repay within a month or two.

Even then, add up the total you’ll repay. On a $500 loan, 25% a month is $125 a month in interest and fees.

What our customers tell us

Many customers who shopped a pawn offer first tell us they received 20–40% more by selling to us. Either way, ask any buyer or lender to show you the weight, the karat, and the spot price behind their number — that’s the only fair way to compare. Our testing and quotes are free, with no obligation to sell.