ČeskyFrequently Asked Questions (FAQ)
Pawn shop (I want to borrow)
We only lend to people over 18 years of age with a valid ID.
Up to 70% of the current market price depending on the type and condition of the goods.
The interest rate ranges from 0.9 % to 4 %. The amount of interest depends on the amount borrowed. The higher the amount, the lower the interest. The minimum interest charge is 150 CZK.
Our contract is clear and transparent, and in it you’ll find exactly how much you’ll be paying.
The contract is negotiated for 28 days; interest is calculated by weeks, and you won’t be charged for any unused weeks.
We'll deduct each unused week.
Paying off the loan is up to you. If you no longer want the collateral or can’t come to collect, then your obligation also ends on the same day your contract ends. The goods then become our property. We will resell the goods to cover our debt.
If you pay the interest on the day your contract ends, you can extend it again for another 28 days.
If you pay the amount borrowed plus interest on the loan by the end of the pawning period, your goods will be transferred back into your possession and the item will be returned to you.
Any goods that are forfeited from unclaimed collateral will be held by us for 14 days. Within this period, you’ll still have a chance to redeem the collateral or extend the contract.
Yes, as long as he or she has your original signed contract.
Yes, anyone can renew the contract for you.
Yes, but you must present your ID upon pickup.
If we haven't loaned you the maximum amount, yes.
You can, but you also have to pay the current interest due.
We’ll take almost everything that still has any tradable value above CZK 1,000.
No, we don’t accept damaged or excessively worn items, except for jewelry and valuables made of gold and silver.
No, items that are pawned with us are safely stored in a vault or warehouse.
Yes, but pawn is always fixed at least for 28 days with 4,8% interest rate and the value of pawn has to be higher than 3999 CZK.
Buying (I want to sell)
Up to 70% of the current market price.
We only buy from people over 18 years of age with a valid ID.
The money is paid in cash immediately after the contract is concluded.
We buy almost everything that still has a marketable value above 1,000 CZK.
You can find all the detailed information about buying precious metals on our website goldenexpres.cz.
No, we don’t buy damaged or excessively worn items, except for jewelry and valuables made of gold and silver.