Travel Money & Foreign Currency Exchange Coventry, Hale Street

You can pay either instore, online or by phone. Instore we accept cash as well as card (we do not accept credit cards).

Paydown gives you the facility to make regular payments over the loan term by paying part of the principal loan amount and interest which may result in you paying less over the loan term. Each time you make a payment it starts the contract for a further six months, of which interest is still applied.

You can make a payment towards your loan at any time and the more you pay, the more your balance comes down, which means you repay less interest overall. Partial payments do not affect the contract terms and do not prevent your item going to auction but may help to ensure you get your item back by paying some money towards your loan. In the event your item does to go to auction, you will receive a refund of the partial payments made.

Firstly, please don’t worry, we will always try to work with you and come to an arrangement which suits your personal circumstances. At H&T we want you to get your item back and therefore, we provide one month’s grace before the item(s) is sent to auction on every pawnbroking contract (interest is still charged during this grace period). Other options available include renewal, partial payment or paydowns, all of which can help you get your item back. Our store colleagues are here to help you, please get in touch to find out more about how we can support you.

Yes, you can pay off your loan in full at any time either instore, online or by phone. Interest is charged daily, and we apply a 28-day minimum charge to all pawnbroking loans. This applies to all pawnbroking customers who transact with us. This means that if a customer redeems, renews, or pays down between days 0-28 they will pay the full 28 days interest. From day 29 onwards interest accrues daily. Both the pre contract and agreement documents contain an explanation of the 28-day charge. This does not affect a customer’s right to withdraw within 14 days of the agreement being completed.

In a small number of cases, your pawnbroking agreement will be passed to our specialist support team who are trained in making sure that the pawnbroking product is still suitable based on your personal circumstances. This team will support you if needed and ensure you are aware of your options.

Our customer service teams are based in our Liverpool support centre. They are not based instore for a number of reasons. Firstly, being in an office we can offer our customer support outside of core retail hours when our stores are typically closed. They can also offer tailored support to our customers in need. There are many ways to contact our support centre, including by phone on 0161 505 0369, via email on info@handt.co.uk or click the live chat
button to speak to our team.

When taking out a pawnbroking contract we will ask you how much you want to borrow, along with reviewing the maximum loan amount based on the individual items value. If you originally borrow less than the maximum loan amount, you can borrow more by paying off the initial loan and any accrued interest and starting a new contract for a higher loan amount.

Yes, they can, as long as they have the original loan agreement and pay off the loan amount and any interest accrued.

If you have lost your contract and your item(s) are below £5,000 please visit your store. They will verify you are the account holder, and you will be required to complete an Affidavit which the store will print for you, and you will be charged a fee for this. 

If your item(s) amount to £5,000 or over, the above would apply but the Affidavit would need to be signed by a solicitor which would typically incur a small charge from the solicitor as well as the fee for completing the Affidavit in-store.

Once you have paid off your loan online, you will receive a payment receipt. You will then need to bring this receipt into the store which holds your item(s) and complete an online declaration form. You will then be handed back your items.

Ultimately if you don’t pay for and pick up your item, we will sell it at auction to recover the monies owed. Once auctioned, you would not owe us any money and if your item sells above the loan amount plus interest, you will be owed the difference. This is called surplus - we will write to you and let you know if there is any surplus.

Here at H&T, we charge daily interest rather than monthly. Daily interest is calculated by multiplying the monthly interest by 12 and dividing by 365.25. For example: A loan with an interest rate of 10.49% would be – 10.49% * 12 / 365.25 = 0.34% per day.

Representative Example: Total amount of credit: £200 for 6 months. Total amount payable in one instalment: £325.88.

Total charge for credit: £125.88(Interest Only). Interest rate 125.9% pa(fixed).

Maximum APR 165.5 %APR. Maximum payment term up to 6 months.

The interest rate will remain the same for the entirety of your loan with us.

We apply a 28-day minimum charge to all pawnbroking loans. This applies to all pawnbroking customers who transact with us. This means that if a customer redeems, renews, or pays down between days 0-28 they will pay the full 28 days interest. From day 29 onwards interest accrues daily as before. Both the pre contract and contract documents contain an explanation of the 28-day charge. This does not affect a customer’s right to withdraw within 14 days of the agreement being completed.

The term for a pledge loan is 6 months, whilst you can repay your loan at any time, the cost of processing and valuing your item means there is a minimum charge for those who wish to repay their loan within the first 28 days. Following this point, you will only be charged for interest incurred at the point you pick up your item.

As of May 2022 we no longer offer personal loans in-store or online , but we have kept some FAQs below in case you need to refer to them. We do offer pawnbroking loans where you can borrow money against the value of an asset such as gold, jewellery or watches. Find out more about pawnbroking here.

The terms and conditions of your existing loan contract stay the same, so it’s important you continue to make your payments on time.

Unfortunately, we’re no longer able to offer top-up or further advances on existing loans.

Yes, we’re no longer offering personal loans either online or in-store.

We offer pawnbroking loans where you can borrow money against the value of an asset such as gold, jewellery or watches. Find out more about pawnbroking here.

Yes. Just as we do now, we will continue to accurately report your repayment record to credit reference agencies until the end of your loan.

We’re here to help you, we understand life is not always straightforward so please contact our dedicated team on 0151 525 1000 (Lines are open between Mon-Fri 9:00 – 5:30pm) or email us at debtmanagement@handt.co.uk we will support you in every way we can.

We currently offer both the buying and selling of Travel Money in-store and online. You can buy Travel Money online via click and collect, where you purchase the currency online and collect it from a convenient store. Alternatively, you can just visit one of our 290 stores and pay over the counter. We do not currently offer
Travel Money cards or a postal service.

All of our stores stock both Euros and US Dollars, so you can visit any H&T store and buy them immediately. You can check in-store currency availability online via our click and collect website, and any currency not in stock can be ordered to arrive at a store of your choosing within 48 hours. For click and collect, orders in Euros and Dollars can be collected within minutes of purchase. For other currencies, our website will let you know when they will be available for collection.

For a one-off fee of £3.95, you can buy a buyback guarantee on transactions over £250. This means we will buy back your currency at the price you paid, protecting you from any rate fluctuations. This could be helpful in the event your plans change, or you have money left over from a holiday.

We accept cash in-store and both debit and credit cards online or in-store. Please be aware that some credit card providers may charge additional fees, so it's worth checking with your provider before purchase.

Online via click and collect, you can buy up to £2,500 worth of Travel Money. In-store, you can buy up to £10,000; larger transactions may be subject to additional verification checks.

We pride ourselves on being one of the cheapest providers both online and on the high street, and we review our rates daily. We stock a wide range of currencies and can quickly order any we do not have in stock. We charge a 0% commission, and we will buy back any leftover Travel Money at great rates. Our buyback rates change daily.