We are happy to announce that Fast Credit is now back to normal working hours. 

Frequently Asked Questions

What is pawnbroking?


It’s a way of getting cash instantly using your valuable goods such as your jewellery as a security for a period of 6 months without going through credit check or face any legal liabilities if the loan is not repaid. However, we have various ways to help you in getting your items back. Interest rate is only payable at the time your agreement is settled. Please click here for rates and interest.


How it works


Selling

Bring your items to any of our branches along with your identification, our expert team of assessors will do a quick test to confirm purity and we will pay you on the same day. It's that easy!


Pawning

Instead of selling your most precious jewellery, you have the chance to come back for them at any time. Our expert assessors will discuss with you on how much you would like to borrow and give you an evaluation on the spot. When you’re happy with our quote, we can set up an agreement right away and you’ll receive your cash instantly. You will have the option of re-paying us back up to 6 months or redeem your items during or at the end of this 6 month period. You can also make partial payments; make installments towards your lump sum or even renew your loan for another six month period.


Here’s how to do it:


1. You must be 18 years old of age or older

2. Must reside in the UK

3. Bring documentation to confirm your identity such as a valid passport or your UK Driver's License with photo.

4. Original copy of proof of address mailed to you within the last 3 month such as a utility bill, tenancy agreement and bank or building society statement. Please click here for a list of information on acceptable IDs


What can I sell and pawn?


We buy and lend all kinds of jewellery from gold, silver and platinum regardless of its condition.


How do you keep my items?


We will keep your items in our high-secured facilities until they are redeemed by paying the appropriate loan and interest due in full.


How do you value my jewellery?


Our valuation will be based on the condition, purity and weight of your items. Our expert assessors are also trained in assessing in diamond jewellery.


How do I get my items back?


You can redeem your items at any time by paying us your outstanding balance under the agreement.


Do I have to wait for 6 months to get my items back?


No, you don’t have to. You can get your items back at any time.


I am unable to redeem my item in 6 months, what can I do?


Don’t Panic! You can renew your contract for another 6 months. Simply pay us your outstanding interest and we will issue you a new contract valid for another 6 months. However, if you are still unable to pay at least the interest, please speak to a member of our staff for more information.


How do I renew my loan for another 6 months?


You must visit the branch with your existing contract to renew your loan, a new contract will be issued to you which requires your signature and therefore we would like you to show up in person.


I don’t want to lose my items, what are the other methods of me getting them back?


1. You can pay some money towards your main amount in order to reduce it. This way, your interest amount will decrease. However, for you to pay your main amount, you must also cover the interest due at the time of payment. Your percentage rate as well as your due date will remain the same.


2. You can make a partial payment to reduce your interest amount. However, this will not reduce your main amount.


Can I still get my items if I changed my mind?


Absolutely! You can get your items back within 14 days from the day the loan was handed to you without giving us any reason.


Do you have any other charges?


No! Our services are transparent and we don’t have any hidden charges.


Can I make an early repayment?


Definitely! Paying us early will reduce the interest on your loan.


Do you have any repayment plans I can follow?


Yes! We would like to help you as much as possible. Therefore, we have set up a repayment plan to make it a little easier for you. Please speak to a member of our staff and they will be more than happy to provide this for you.


Can I borrow again even if I haven’t paid my previous loan?


Yes! You can bring as much jewellery as you like. Items will be settled on a separate contract each and every time. Unfortunately, we cannot add new items to existing ones.