Collateral loans on luxury items including Hermes Birkin bags, Rolex watches, Van Cleef & Arpels jewelry, and gold accessories.

Richmond Luxury & Loan

Your Trusted Richmond Pawn Shop Since 2004

At Richmond Luxury & Loan, we combine the professionalism of a luxury boutique with the convenience of a traditional pawn shop. As licensed pawnbrokers with an A+ BBB rating, we’ve been serving the Richmond, Surrey and Vancouver community for over 20 years. Whether you need a short-term loan or want to sell an item outright, our pawn shop offers same-day cash payouts for gold, gold coins, fine jewellery, designer handbags, and high-end watches.

Unlike generic pawn shops, we specialize exclusively in luxury items, ensuring you get the most competitive offers and a discreet, professional experience every time.

How Does a Pawn Shop Loan Work?

A pawn shop loan provides short-term loans secured by your valuables.

Bring in your jewellery, watch, or gold for a quick appraisal.
We agree on a loan amount and keep your item safe and insured.
Walk out with instant cash on the spot.
Repay your loan and your securely stored item is returned.

Simple, fast, and confidential pawn loans: no credit checks, no waiting.

Pawn vs. Sell: Which Is Better?

Pawn (Loan)
- Keep ownership with a short-term loan.
- Get quick cash with monthly interest.
- Pick up your jewellery, watch, or gold once the loan is repaid.
Sell
- One-time cash payout: higher than a loan.
- Best choice if you don’t plan to keep the item.
- No repayments or ongoing costs.

At Richmond Luxury & Loan, we’ll explain both options so you can make the right decision.

Pawn vs. Consignment

Consignment means leaving your jewellery, gold, or watch in a store and waiting weeks sometimes months for it to sell, while paying a commission.

At Richmond Luxury & Loan, a pawn loan gives you same-day cash with no waiting, no fees, and no uncertainty.

That’s why so many luxury owners in Richmond prefer pawn loans over consignment: instant payment without the hassle.

Pawn Shops vs Facebook Marketplace

Walk out with cash today.
No listings. No meet-ups. No scams. Just instant cash from a licensed, regulated shop.

Pawn/Loan
Time to cash — Same day
Safety — In-store, vetted
Privacy — Confidential
Effort — No listing or haggling
Compliance — Licensed & regulated
Facebook Marketplace
Time to cash — Days
Safety — Meet-ups, Strangers
Privacy — Public listings
Effort — Photos, calls, emails, meet-ups
Compliance — Not guaranteed

Before You Pawn: What to Know

FAQ - Common Pawn Shop Questions

What can I pawn?

We accept gold jewellery, luxury watches (Rolex, Omega, Cartier, etc..), designer handbags (Hermès, Louis Vuitton, Chanel, and other exclusive brands), and other fine items like gold coins and bars.

Do pawn shops do credit checks?

No. Pawn loans are based solely on the value of your item. Your credit history is never checked or affected.

Are pawn shop loans good?

For fast, short-term needs, pawn loans are one of the easiest and most secure options. You walk out with cash the same day, your item is fully insured in storage, and your credit is never impacted.

Which pawn shop pays the most?

We base payouts on daily gold spot prices and current demand for luxury brands. That means we often pay more than generic pawn shops or jewellery buyers.

Are pawn shop prices negotiable?

Our offers are transparent and competitive, based on real-time market values. If you’re bringing in gold, we reference daily New York spot prices.

Can pawn shops sell fake gold?

No. Every item is tested for authenticity. We only buy and loan against genuine, authenticated items.

Why Choose Richmond Luxury & Loan?

- Licensed pawnbrokers with over 20 years of experience
- Specialization in luxury items (jewellery, handbags, watches)
- Same-day payouts cash, cheque or Interact e-transfer
- Confidential and discreet service
- Fully insured storage for every item
- Service available in English & Chinese