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Pawn Shops in Charlotte, NC

19 of the 52 pawn shops, check cashing and loan stores we list in Charlotte are pawn shops.

Pawn shops vary significantly in the inventory they carry, with some focusing on high-end jewelry and electronics while others stock tools, firearms, or musical instruments. Loan terms, interest rates, and retail pricing also differ based on location and corporate or independent ownership. A map pin confirms a store is open, but it will not show you their current valuation policies or what items they accept for collateral.

  1. Cash America Pawn

    4635 N Tryon St, Charlotte, NC 28213-7027

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  2. Cash America Pawn

    2860 Freedom Dr, Charlotte, NC 28208-3856

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  3. Smart Pawn & Jewelry

    3101 South Blvd, Charlotte, NC 28209-1853

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  4. Cash America Pawn

    3250 Wilkinson Blvd, Charlotte, NC 28208-5665

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  5. CAP

    4554 N Tryon St, Charlotte, NC 28213-6923

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  6. National Pawn

    2905 Eastway Dr, Charlotte, NC 28205-3929

    Buys goldJewelryElectronicsLayaway
    Call Website Directions

  7. South Charlotte Jewelry and Loan

    7143-B South Blvd, Charlotte, NC 28273

    Mon 11:00AM-7:00PM, Sat 11:00AM-3:00PM, Sun closed

    Buys goldJewelryFirearms
    Call Website Directions

  8. Cash America Pawn

    300 E Woodlawn Rd, Charlotte, NC 28217

    Buys goldElectronicsLayaway
    Call Website Directions

  9. National Pawn and Jewelry

    5700 South Blvd, Charlotte, NC 28217

    Buys goldJewelryElectronicsLayaway
    Call Directions

  10. Cash America Pawn

    3101 N Sharon Amity Rd, Charlotte, NC 28205

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  11. Cash America Pawn

    6300 South Blvd, Charlotte, NC 28217-4402

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  12. Smart Pawn & Jewelry

    7025 South Blvd, Charlotte, NC 28217-4397

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  13. Carolina Pawn & Jewelry

    4201 Monroe Rd, Charlotte, NC 28205

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  14. Cash America Pawn

    5847 Albemarle Rd, Charlotte, NC 28212-1636

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  15. Smart Pawn and Jewelry

    3701 Monroe Rd, Charlotte, NC 28205-7735

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  16. Cash America Pawn

    5200 North Tryon St., Charlotte, NC 28213

    Directions

  17. iPawn

    1413 Central Ave, Charlotte, NC 28205

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  18. National Pawn

    5700 South Blvd, Charlotte, NC 28217

    Directions

  19. Quick Cash

    6851-A Albemarle Rd., Charlotte, NC 28212

    Directions
Bring valid photo ID. State regulations require a government-issued ID for all pawn loans and outright sales, and most stores require items to be clean and fully functional before making an offer.

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Good to know

What is the difference between pawning an item and selling it?

Pawning an item means using it as collateral for a short-term cash loan, which you can reclaim after repaying the principal plus interest and fees. Selling is a final transaction where you relinquish ownership of the item in exchange for immediate cash. Pawn offers are typically lower than outright sale offers because the shop must store and hold the item.

How long do I have to pay back a pawn loan?

Standard pawn loan terms are typically 30 days, though exact timeframes are set by state and local laws. Most shops allow you to extend or renew the loan by paying the interest accrued for that period. If you do not repay or extend the loan, the shop takes ownership of the item to resell, which does not affect your credit score.

How do pawn shops determine how much money to offer?

Appraisers look at the item's current secondary market value, condition, brand, and likelihood of reselling if the loan defaults. For precious metals and jewelry, valuation relies on the current spot price of gold or silver alongside stone quality. Expect offers to be a percentage of the item's resale value rather than its original retail price.