Help and Support

Struggling to Repay Your H&T Pawnbroking Loan?

We understand that life can bring unexpected challenges that affect your finances. If you’re finding it difficult to repay your pawnbroking loan and are worried about losing items that may hold sentimental value, we’re here to help you explore your options.

Your Options

Extra Time

Need more time to make your payment? Speak to our friendly team about arranging an extension on your loan. This can give you breathing space without losing your pledged item.
Tailored Repayment Plan

If your financial circumstances have changed, we can work with you to create a repayment plan that suits your budget. Our goal is to make repayments manageable and stress-free.
Auction Option

If you decide not to continue with the loan, you can allow your item to go to auction. This means there will be no balance left to pay. If your item sells for more than you owe, we’ll refund the difference to you.

How to Get Help

Visit Your Store:

Drop into the store where your pledged item is held—our team will be happy to assist you in person.

Call Us:

If visiting isn’t possible, use our Store Locator to find your store’s phone number and give them a call. We’re here to listen and help.

Managing Your Finances

We understand pawnbroking may be just one of your debts. When planning your budget, please prioritise essential commitments such as:

Mortgage or rent
Council tax
Utilities

If you need help with budgeting or debt advice, visit our Useful Contacts page for free, confidential, and impartial guidance from trusted organisations.