Money against collateral - cash in hand!
Cash without a credit check
Money against collateral, cash in hand! Instant cashwithout credit checks - directly in our store.
Discretion
No questions about your income or purpose of the loan. Discretion is our top priority.
Security
No personal liability for a pawn loan (only the pawned item is used as collateral)
Low costs
Only 1% interest per month plus a statutory fee for insurance and safekeeping.
Term
Unbureaucratic pawn loans with a 4-months term. Simply redeem your item or renew within 4 months.
Debt-free
With a pawn loan, you stay debt-free. No credit check required. You only have to stand surety with your item of value.
Since 1873, we have been lending your jewelry, watches and other valuables quickly and easily at attractive conditions. You receive your loan amount upon presentation of your ID card directly on site in cash. We open you so the possibility, financial bottlenecks at short notice to bridge and thus prevent a sale of your possessions.
We work faithfully to the slogan: Why sell, if one can lend also. Another advantage of a loan is that you continue to remain the owner of your valuable object.
Of course, your valuables are insured all around from the beginning.
Frequently Asked Questions | Topic: Pawn loan
The pawn loan is perfect for everyone who is looking for a short-term loan with the least possible bureaucracy. It is the easiest and fastest way to get a cash loan.
You bring us an item of value and identify yourself with an official form of ID. We value the item and you deposit it as collateral, in return for which you receive the corresponding amount of money in cash.
Yes, in most cases the whole process takes just minutes. It depends on the item you hand over to the pawnshop. If the value of the item is more difficult for us to estimate, the process may take up to half an hour.
Pawning your valuable at Pfandhaus Anton Brocker GmbH is completely uncomplicated. All you need to do is bring an item of value (see which items you can bring to our pawnshop) to one of our branches and have it valued. It is important that you are over 18 years old and bring a valid, official photo ID with you.
In principle, everything that has a certain equivalent value can be pawned. Typical items, for example, include gold, silver and diamond jewellery and high-end watches. Also, brand-name technical appliances such as televisions or cameras. For more information, go here.
The pawn ticket is valid for four months. During this time, you can redeem your pawned item at any time, after which you have another extra month to redeem it or extend the term.
Some of the costs are stipulated by law. You always pay 1% interest on the loan. Furthermore, there is a fee for storage, insurance and processing the loan, which is regulated in the pawnbroking ordinance. See table:
| Monthly fee | Up to and including loan amount |
|---|---|
| 1,00 € | 15,00 € |
| 1,50 € | 30,00 € |
| 2,00 € | 50,00 € |
| 3,50 € | 150,00 € |
| 4,50 € | 200,00 € |
| 5,50 € | 250,00 € |
| 6,50 € | 300,00 € |
For loan amounts of € 301.00 or more, 1% interest on the loan amount is charged for each month. In addition to the interest, a monthly fee is charged, which is staggered according to the amount of the loan. You can enquire about this in person or by phone at our branches.
Example with a 3-months term and a € 300 loan
| Conclusion Date | Expiry Date | Loan | Monthly fees | Monthly interest | Redemption amount at the end of the term (3 months) |
|---|---|---|---|---|---|
| 01.01.2021 | 01.04.2021 | 300 € | 6,50 € | 3 € | 328,50 € |
| Interest = 9.5% |
You only pay the loan and the accrued interest and fees. These are fixed when the pawnbroking agreement is concluded and do not change. The months are always calculated times the interest and fees.
The renewal costs depend on the loan amount borrowed. To renew your loan agreement, you simply have to pay the interest and fees that have accrued to date.
If you do not redeem your item of value or renew your loan agreement with us, it will be sold at public auction. Your collateral is our only surety for your loan. You will not incur any further costs. If additional proceeds are generated at auction, you are entitled to receive them. This entitlement expires after 3 years. If you do not contact us, we will usually write to you before the deadline expires. If you do not collect the surplus, it will be transferred to the public purse.
Yes, that is definitely possible. In this case, you can pay off some of the loan amount when you renew the agreement. (Example: You have to pay € 9.50 to renew the agreement and you have received a loan of € 300. Now you have the option of paying us € 59,50, whereupon we can reduce the loan from € 300 to € 250, thereby also reducing the interest and fees in the future.)
Ja natürlich. Bitte überweisen Sie dann den kompletten Betrag an das unten stehende Konto. Außerdem gilt zu beachten, dass Sie Ihren Namen, die Pfandkreditnummer, Ihr Geburtsdatum und die Filiale in den Verwendungszweck aufnehmen. Dies ist sehr wichtig, damit das Geld dem richtigen Kunden zugewiesen werden kann.
Inhaber: Anton Brocker GmbH
IBAN: DE 72 3105 0000 1003 3537 19
St Spk Mönchengladbach: BIC: MGLSDE33XXX
Please contact us immediately if this should happen. Anyone who has the pawn ticket in their possession can gain access to the pawned object. The pawn credit agreement is to be safeguarded in the same way as you would safeguard cash. We can then block the agreement so that it can only be redeemed on presentation of an ID card.
All object and items are stored properly and safely. Our safety equipment meets the latest standards and complies the VdS standard for property insurers. All pawned items are insured in accordance with the legal requirements.