What We Do
Appointment-based to suit your schedule
Collateral loans from $1000 up to $500,000
Flexible rates as low as 3% (APR 36%)
Initial 30-day loan with monthly renewal options based on your needs
Insured and secure with over 40 years of experience in the lending industry. No effect on credit score
Online payment options
We Buy & Loan On Almost Any Luxury Asset
Diamonds & Jewlery
Coins & Bullion
Designer Watches
Our Private and Secure Process
Request a Quote
Complete the CONTACT US form or Book a Remote Consult to get started and an account manager will reach out to you to get more details and provide an initial quote.
Schedule Appointment
Next we will schedule a private appointment at out luxury pawn shop in Jacksonville, FL in order to evaluate your item(s) and provide our official loan or purchase offer. You will need a confirmation number that we will provide when you check in with the front desk security in the lobby.
Receive Funds
If you determine PCL Group is the right fit for you, we will arrange for immediate
payment.
A Refined Approach to Collateral Lending & Asset Services in Jacksonville and St. Johns County
PCL Group was built to serve clients who need access to capital or professional asset evaluations without the environment typically associated with traditional pawn shops. Our luxury pawn shop in Jacksonville FL, operates on an appointment-only basis, allowing every client to receive a private, unrushed consultation in a secure and professional setting.
We work with a wide range of high-value assets, including precious metals, coins, luxury watches, fine jewelry, and other tangible personal property. Each item is evaluated individually using current market data, condition, and demand to ensure transparent and accurate outcomes. Clients may choose to sell their assets outright or use them as collateral for a short-term loan, depending on their needs.
Many clients come to PCL Group with questions about privacy, appraisal accuracy, and the speed of funding. Our process is intentionally structured to address those concerns. Evaluations are conducted discreetly, terms are explained clearly, and approved transactions are completed promptly. There is no public showroom, no retail counter, and no obligation to proceed — only professional guidance and straightforward options.
Our luxury pawn shop proudly serves individuals, collectors, estate representatives, and business owners throughout Jacksonville and St. Johns County who value discretion, clarity, and a higher standard of service when working with valuable personal property.
Common Questions About Working With PCL Group
What do I need to do to get started?
Complete the CONTACT US form to get started. An account manager will then reach out to you to get more details or to book an online consultation.
What are your interest rates?
Depending on the collateral used and the amount borrowed, our monthly interest rates range from 25% to 3% (300% APR & 36% APR).
Does PCL GROUP conduct a credit check?
We DO NOT conduct credit checks or employment verification. The terms of the loan is based solely on the item(s) you pledge as collateral.
What will the monthly payment be on my loan?
Your minimum monthly payment is based on the amount you choose to borrow.
How do you determine the value of my items?
We base our loan to value ratio on the estimated wholesale value of an item. Typically, we loan anywhere from 50% to 75% of the estimated wholesale value.
Will I have to pay additional fees to cover storage, insurance, and security?
PCL GROUP does NOT charge additional fees on top of the interest. We factor those costs into the monthly interest fee so that you, the customer, will never be surprised with unknown fees.
Will my items be safe?
All items are stored in our fireproof, UL-rated vaults protected by state-of-the-art surveillance and alarm systems with 24-hour security. Likewise, your items are fully insured while in our possession for the life of
your loan.
Why should I choose PCL GROUP as my alternative lender?
We are proud to have 40+ years of expertise in the collateral loan industry. We have GIA-certified staff, and we are supporting members of various associations related to our industry. Moreover, we strive to serve each customer based on his or her specific needs and achieve our GOLD STANDARD of customer service.
What if I just want to sell my assets instead of getting a loan?
We offer both options. Our BUY process is similar to our LOAN process. If you would rather sell your assets outright, then we will be more than happy to purchase them. This information is part of what we determine in our initial consult with each customer.
Will you provide parking downtown for my appointment?
We offer validated parking services in the One Enterprise Lot on the corner of Hogan Street and Bay Street just behind the Omni Hotel. Remember to bring your parking ticket to your appointment for us to complete validation! service.