Pawn Shops Chelmsford

With 4 Pawn Shops in Chelmsford, you have good options to compare rates. Local shops average 4.4 stars. The highest-rated is Essex Cash for Gold with 5 stars.

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Essex Cash for Gold

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42 Moulsham St, Chelmsford CM2 0HY

01245 265656

5.0(50134)

H&T Pawnbrokers

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25 High Chelmer, Chelmsford CM1 1XR

01245 259004 Website

pawn loanspawn loan repaymentspawnbrokingsell your goldsell your watchtravel money

4.1(18)

What Chelmsford Pawn Shops Accept

✓ Gold jewelry & watches
✓ Electronics (phones, laptops, tablets)
✓ Power tools (DeWalt, Milwaukee, Makita)
✓ Gaming consoles (PS5, Xbox, Nintendo)
✓ Musical instruments
✓ Firearms (where permitted)
✓ Designer items

Acceptance varies by shop. Call ahead for specialty items or large quantities.

Massachusetts Pawn Shop Regulations

Interest RateUp to 3% per month (36% APR) with DOB approval; varies by municipality

Redemption Period4 months (non-perishable); 1 month (perishable)

Regulated ByMassachusetts Division of Banks; Local licensing authorities

Massachusetts delegates pawnbroker licensing to cities and towns under MGL Chapter 140. Interest rates and regulations vary by municipality, requiring Division of Banks approval for local ordinances. No rates above 36% APR approved for amounts over $25.

Tips for Visiting Pawn Shops in Chelmsford

1.Get quotes from multiple shops before deciding
2.Know your item's value - check eBay sold listings first
3.Bring valid government-issued ID (required by law)
4.Ask about interest rates and total repayment amount upfront
5.Keep your pawn ticket in a safe place
6.Ask about the redemption period and any grace periods
7.Ask if they report to credit bureaus (most don't)

Frequently Asked Questions

How many Pawn Shops are in Chelmsford?

There are 4 Pawn Shops in Chelmsford, MA. We list all licensed pawn shops with addresses, hours, and customer reviews.

What do Pawn Shops in Chelmsford accept?

Chelmsford Pawn Shops typically accept gold and jewelry, electronics, tools, musical instruments, and other valuables. Each shop has different specialties - call ahead for specific items.

What percentage do Pawn Shops pay in Chelmsford?

Pawn Shops in Chelmsford typically offer 40-60% of an item's resale value for purchases, or 25-50% for pawn loans. Gold is usually priced at 40-60% of spot price. Get multiple quotes.

How long do I have to repay a pawn loan in Massachusetts?

In Massachusetts, the redemption period is 4 months (non-perishable); 1 month (perishable). Interest rates are capped at Up to 3% per month (36% APR) with DOB approval; varies by municipality. Always ask about extensions.

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