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Pawn Shop Value Estimator

Estimate how much pawn shops will offer for your items. Compare pawn loan vs. sell outright offers and learn tips to get the best price.

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How Much Do Pawn Shops Pay?

• Pawn Loan: 25-40% of item's resale value

• Sell Outright: 35-55% of item's resale value

• Gold/Jewelry: 40-60% of melt value

• Selling pays 10-20% more than pawning

📦 General Item Estimator

$

What you paid or what it sells for new/used online

📊 Your Estimate

🏦

PAWN LOAN

$100 - $175

Get your item back when you repay loan + interest

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SELL OUTRIGHT

$150 - $225

Permanent sale, no further obligations

Factors Affecting Your Offer

📋 Category Rate:Pawn 20-35% / Sell 30-45%

✨ Condition:0%

🏷️ Brand:0%

💡 Tips to Get More

  • Bring original box, manual & accessories
  • Clean the item before visiting
  • Visit multiple shops and compare offers
  • Selling pays 10-20% more than pawning

💰 Common Pawn Shop Value Examples

iPhone 15 Pro ($999)
🏦 Pawn: $200-$350
💵 Sell: $300-$450
MacBook Air ($1,199)
🏦 Pawn: $240-$420
💵 Sell: $360-$540
PS5 Console ($499)
🏦 Pawn: $125-$175
💵 Sell: $175-$225
DeWalt Drill Set ($300)
🏦 Pawn: $75-$120
💵 Sell: $105-$150
Fender Guitar ($800)
🏦 Pawn: $240-$360
💵 Sell: $320-$440
14K Gold Chain (10g)
🏦 Pawn: $175-$240
💵 Sell: $220-$285

🏪 How Pawn Shop Pricing Works

Pawn shops need to make a profit while managing risk. When you pawn an item, they're essentially giving you a loan using your item as collateral. If you don't repay, they need to sell your item to recover their money.

Pawn Loan vs. Selling

🏦 Pawn Loan

  • Get 25-40% of value
  • Keep ownership of item
  • Repay loan + interest to get item back
  • 30-90 day loan terms typical

💵 Sell Outright

  • Get 35-55% of value
  • Permanent sale
  • No interest or repayment
  • Higher payout than pawning

What Affects Your Offer

  • Resale value: What the shop can sell it for (they check eBay)
  • Condition: Like-new items get 10-20% more
  • Brand: Premium brands hold value better
  • Demand: Fast-selling items get better offers
  • Local market: Prices vary by location

🏆 Best Items to Pawn

💍 Gold jewelry (by weight)

⌚ Rolex & luxury watches

🎸 Quality instruments

📱 Latest iPhones/MacBooks

🔧 DeWalt, Milwaukee tools

👜 Louis Vuitton, Chanel bags

⚠️ Watch Out For

  • High interest rates (10-25%/month)
  • Short loan terms (30-90 days)
  • Losing sentimental items
  • Lowball first offers

Frequently Asked Questions

For a $1,000 item, you can typically expect a pawn loan of $250-$400 (25-40% of value) or a sell offer of $350-$550 (35-55% of value). The exact amount depends on item category, condition, brand, and local demand. Electronics and generic items pay less, while designer goods, firearms, and musical instruments often pay more.

For a $200 item, expect a pawn loan of $50-$80 (25-40%) or a sell offer of $70-$110 (35-55%). Smaller value items often get lower percentage offers because the shop's fixed costs (testing, paperwork, storage) represent a larger portion of the potential profit.

Selling outright typically pays 10-20% more than a pawn loan. When you pawn, the shop takes on risk that you won't return, plus they must store your item. When you sell, they can immediately price and display it. However, pawning lets you reclaim your item by repaying the loan plus interest.

Pawn shops assess: 1) Current market/resale value (often checking eBay sold listings), 2) Item condition, 3) Brand reputation, 4) Local demand, 5) How quickly they can resell it. They aim for 38-50% profit margin, so offers are always below resale value. For jewelry, they test metal purity and weigh it to calculate melt value.

Highest-paying items include: Gold jewelry (based on weight/purity), Firearms (where legal), Designer watches (Rolex, Omega), Quality musical instruments (Gibson, Fender), High-end electronics (latest iPhones, MacBooks), and Designer handbags (Louis Vuitton, Chanel). These items have strong resale markets and hold value well.

Pawn shops calculate gold value by: 1) Testing purity (karat), 2) Weighing in grams, 3) Calculating melt value (weight × purity × spot price), 4) Offering 40-60% of melt value. For example, a 10g 14K gold chain: 10g × 0.585 × $75/g = $439 melt value. Offer would be $175-$265. Gemstones are valued separately at wholesale prices.

🏪 Disclaimer: These are estimates based on typical pawn shop practices. Actual offers vary by shop, location, market conditions, and item specifics. Always visit multiple shops and compare offers before making a decision.