Pawnshops Finder

Pawn Shops Northampton

Northampton offers several pawn shops for those looking to sell or get loans on valuables. Gold, jewelry, and electronics are commonly pawned items in this area.

Northampton, MA has 3 pawn shops in our directory. Top-rated options include Xchange 4 Cash, H&T Pawnbrokers, and H&T Pawnbrokers.

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H&T Pawnbrokers

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1-2 Regent St, Northampton NN1 2NQ

01604 627703Website
pawn loansbuy gold
4.6(25)

H&T Pawnbrokers

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71B Abington St, Northampton NN1 2BH

01604 239085Website
pawn loansbuy gold
4.3(51)

Xchange 4 Cash

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52A Gold St, Northampton NN1 1RS

4.0(74)

What Northampton 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 Northampton

  • 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

What can I pawn in Northampton?

Common items include gold, jewelry, electronics, and tools.

Which pawn shops in Northampton are well-reviewed?

Check out H&T Pawnbrokers and Xchange 4 Cash for reliable options.

How much can I get for gold?

Offers vary by weight, purity, and current prices. Pawn shops typically pay below spot value - get multiple quotes to compare.

What ID do I need?

Valid government-issued photo ID (driver's license, passport, or state ID).

Need More Cash?

Get a title loan - keep your car

Gold Prices

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