A Federal Hill neighborhood institution in Providence, Reliable Jewelry & Loan is Rhode Island's go-to pawnbroker for gold, diamond jewelry, and luxury watch loans.
(401) 751-7296
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Providence pawn shops serve a compact New England city where Brown, RISD, and a large Latino community keep electronics, jewelry, and gold moving steadily. Rhode Island's small geography means options are never far — compare ratings across the directory.
A Federal Hill neighborhood institution in Providence, Reliable Jewelry & Loan is Rhode Island's go-to pawnbroker for gold, diamond jewelry, and luxury watch loans.
Empire Loan's Providence, Rhode Island location on Federal Hill Avenue serves the Ocean State with the chain's trusted pawn and jewelry services, offering appraisals and loans on luxury goods.
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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 Rhode Island law, the statutory maximum finance charge is 5% per month and the minimum redemption period is 90 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 Providence 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 RI.
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 Rhode Island state page →
PawnGuru lists 8 pawn shops inside Providence, RI, 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 Providence lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under Rhode Island law, the maximum finance charge is 5% per month and the minimum redemption period is 90 days.
Bring (1) a valid government-issued photo ID (required by Rhode Island 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 Providence and across Rhode Island, 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 90 days under Rhode Island 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.
Rhode Island Department of Business Regulation. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.