Charlotte's premier jewelry and loan specialist, offering appointment-based service and expert appraisals on fine jewelry, diamonds, and luxury watches in South Charlotte.
(980) 236-7614
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Charlotte pawn shops concentrate along North Tryon, South Boulevard, and the Eastland corridor, serving this fast-growing banking hub with strong demand for jewelry and electronics. Browse the directory and compare loan offers before visiting.
Charlotte's premier jewelry and loan specialist, offering appointment-based service and expert appraisals on fine jewelry, diamonds, and luxury watches in South Charlotte.
A well-established east Charlotte pawn shop near Eastland, offering military discounts and competitive rates on electronics, musical instruments, and tools.
A north Charlotte FirstCash pawn location serving University City and the surrounding neighborhoods with reliable loans and a large, diverse merchandise floor.
Pooled US averages for how much local pawn shops typically lend by category. Your actual offer depends on condition, brand, documentation, and current demand.
Under North Carolina law, the statutory maximum finance charge is 2% per month + fees and the minimum redemption period is 30 days. Your offer on any item is typically 20–35% of resale for a pawn loan, or 30–50% of resale for an outright sale. Shops in Charlotte quote offers based on their own resale market — always get two or three offers before accepting.
What every borrower should know before signing a pawn ticket in NC.
Rates shown are statutory caps — actual offers and fees vary by shop. Confirm the current rules with the regulator and always read the pawn ticket before signing. Full North Carolina state page →
PawnGuru lists 3 pawn shops inside Charlotte, NC, plus more in surrounding cities. Use the map or phone link on any shop page to route to the closest location. Always call ahead — posted hours change, especially on holidays.
Most shops in Charlotte lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under North Carolina law, the maximum finance charge is 2% per month + fees and the minimum redemption period is 30 days.
Bring (1) a valid government-issued photo ID (required by North Carolina law and federal anti-theft rules), (2) the item in working, presentable condition, and (3) any proof of ownership — original receipts, titles, or certificates of authenticity. Most shops also require you to be 18 or older.
In Charlotte and across North Carolina, the most commonly pawned items are gold jewelry, diamond rings, luxury watches, smartphones and laptops, power tools (DeWalt/Milwaukee), musical instruments, firearms (FFL shops only), designer handbags, and coins or bullion.
Yes. You have at least 30 days under North Carolina law to redeem by paying the loan principal plus accrued interest and fees. If you don't, the shop keeps and resells the item — the loan is non-recourse, so it doesn't affect your credit.
NC Office of the Commissioner of Banks. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.