Empire Loan's Worcester branch, part of the respected New England pawn chain founded in Boston in 1985, serves Holy Cross and the Worcester metro with top-tier jewelry appraisals and competitive loan rates.
(508) 791-2551
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6 pawn shops in Worcester, plus more in nearby Massachusetts cities. Compare ratings, call ahead, and walk in prepared — here's what a Worcester pawn visit typically looks like, and what Massachusetts law says about the deal.
Empire Loan's Worcester branch, part of the respected New England pawn chain founded in Boston in 1985, serves Holy Cross and the Worcester metro with top-tier jewelry appraisals and competitive loan rates.
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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 Massachusetts law, the statutory maximum finance charge is 3% per month and the minimum redemption period is 4 months. 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 Worcester 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 MA.
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 Massachusetts state page →
PawnGuru lists 6 pawn shops inside Worcester, MA, 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 Worcester lend 20–35% of an item's realistic resale value for a pawn loan, and 30–50% for an outright sale. Under Massachusetts law, the maximum finance charge is 3% per month and the minimum redemption period is 4 months.
Bring (1) a valid government-issued photo ID (required by Massachusetts 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 Worcester and across Massachusetts, 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 4 months under Massachusetts 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.
Local police chief licensing. Rules vary by state — always verify the current statutory cap, fees, and redemption period directly with the regulator or the individual shop.