Pawn Loan Rates

Cash In Hand – Car Pawnbroker & Moneylender is a licensed New South Wales car pawnbroker and second-hand motor dealer.

As a company we follow the rules and regulations of pawnbroking from sources such as the F

Our trade operates in accordance with the

Ensuring that our customers get the best possible experience.

(License No’s

(1)  In this Act, pawnbroker means a person who carries on a business of lending money on the security of pawned goods.

(2)  For the purposes of this Act, goods are pawned if the goods are taken into the possession of a lender of money for the purpose of the lender relying on possession of the goods as security for the repayment of the loan.

(3)  In determining for the purposes of this Act whether goods are pawned and whether money is lent on the security of pawned goods, the following principles are to apply:

(a)  regard is to be had to the substance of the loan transaction rather than its form or other legal technicalities,

(b)  particular regard is to be had to the ordinary understanding of the borrower as to the nature of the loan transaction and the reason or basis on which possession of goods is given to the lender,

(c)  it does not matter that the terms of the loan transaction provide that the lender has taken possession of the goods at the request of or on behalf of the borrower or otherwise so as to give the appearance that the lender does not rely on possession of the goods as security for the repayment of the loan,

(d)  goods can be considered pawned and money can be considered lent on the security of pawned goods even if the loan also gives rise to a mortgage of the goods.

(4)  The regulations may specify cases or circumstances in which, for the purposes of this Act:

(a)  the taking of goods into the possession of a lender of money in connection with the loan is a pawning of the goods (whether or not that taking into possession is for the purpose of the lender relying on possession of the goods as security for the repayment of the loan), or

(b)  the taking of goods into the possession of a lender of money in connection with the loan is not a pawning of the goods (despite that taking into possession being for the purpose of the lender relying on possession of the goods as security for the repayment of the loan), or

(c)  the taking of goods into the possession of a person acting on behalf of a lender or associated with a lender is taken to be the taking of goods into the possession of the lender.

  • Your pledge contract is set at a minimum of 3-months period from date of the goods pawned during this time your asset is stored at our facility.
  • Should you wish to pay out your loan within three months you only pay for the monthly period used.
  • Alternatively, you may extend your loan beyond the 3 months in which case you will be charged a safe keeping.

Repayments may be monthly or when you collect your asset.

No other hidden charges. 

Below is how Cash In Hand Pawnbrokers may apply charges on your loan (Loans* against white goods and electronic goods*)

 Monthly loan fee is 4% of the loan* amount.

Amount You Borrow Loan Term Monthly Repayment x3 Total Repayment
$200 90 to 120 days*
(can be extended)
$88 $264
$500 90 to 120 days*
(can be extended)
$220 $660
$800 90 to 120 days*
(can be extended)
$352 $1,056
$1,000 90 to 120 days*
(can be extended)
$440 $1,320