Terms of Service

By using PawnPass, you agree to these terms. PawnPass Pty Ltd operates under Australian Credit Licence "Theorify" and is AUSTRAC registered.

Pawn loans

Pawn loans are secured against physical collateral. Interest is charged monthly. If you do not redeem your item within the loan term plus grace period, the item becomes PawnPass property.

Interest rates

Current rates: Under $1,000: 35%/month. $1,000-$3,000: 25%/month. $3,000-$5,000: 20%/month. Over $5,000: negotiable. Gold and gold jewellery receive a 25% discount on all tiers.

Shipping

Items are shipped via Australia Post with transit cover. Parcel Locker drop-off is available 24/7. Home pickup is available as a premium service.

Payment

Loan funds are disbursed via Osko instant bank transfer after physical verification at our hub. Funds are not released upon shipment — only after item verification.

Contact

For questions: info@pawnpass.com.au or 0439 726 576. PawnPass Hub: 311 NE Road, Hampstead Gardens SA.