Luxury Pawn Shop in Jacksonville, FL and St. Johns, FL

CLICK TO CONTACT US TODAY!

Jacksonville Florida's Premier Collateral Lender

VIEW OUR EASY LENDING PROCESS

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

Testimonials

      EXCELLENT  
   Based on 27 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Brock Peters 
 
 
 
 Trustindex verifies that the original source of the review is Google. I am blown away with how great the service is here! Liz gave me a great deal on a 1 oz bullion bar that I had my eye on for a while. Couldn’t recommend enough!
  
 
      Posted on Google  
   
   Robert Sparks 
 
 
 
 Trustindex verifies that the original source of the review is Google. A great place to buy gold and silver. Go see Liz. She is very helpful and will give you a good deal on what you are looking for.
  
 
      Posted on Google  
   
   Christianna Cannady 
 
 
 
 Trustindex verifies that the original source of the review is Google. If you are looking for quality items at great prices, and wonderful customer service, ask for  Will! He has helped me in many ways and he is very knowledgeable about everything silver, gold and coins! If you want someone you can trust with your precious metals and luxury items, Go see Will!
  
 
      Posted on Google  
   
   Jessica Shirah 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can’t simply express into words how much Will has helped me tremendously with my silver. They’re professional and the process was explained in great detail. I will recommend PCL to all my friends and family. Thank you again to you and all your staff for a awesome experience
  
 
      Posted on Google  
   
   Gwen McKinney 
 
 
 
 Trustindex verifies that the original source of the review is Google. PCL is a great company and Liz is the best she is always there when you need her with a smile and very helpful
  
 
      Posted on Google  
   
   Might Need Oil 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a very good experience with PCL Group. They were professional, straightforward, and treated me respectfully throughout the process. I brought in luxury watches to discuss a cash offer, and they took the time to look everything over and explain things clearly without making me feel pressured.

It’s hard to find places that are direct, fair, and easy to deal with, but PCL Group handled everything in a very professional way. I appreciated the honest communication and the smooth process. I would definitely recommend them to anyone looking to sell or get an offer on jewelry, watches, or luxury items.
  
 
      Posted on Google  
   
   Bridget Massie 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an outstanding experience at PCL Group Luxury Pawn, and I want to specifically recognize Liz for her exceptional service. From the moment I walked in, she was welcoming, knowledgeable, and incredibly professional. Liz took the time to answer all of my questions, explain the process thoroughly, and make sure I felt comfortable every step of the way.

Her expertise and attention to detail were truly impressive, and she went above and beyond to provide a seamless and positive experience. It's rare to find someone who combines such deep industry knowledge with genuine customer care. If you're looking for a trustworthy luxury pawn experience, I highly recommend PCL Group Luxury Pawn—and be sure to ask for Liz!
  
 
      Posted on Google  
   
   PresidentDuo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Liz is awesome
  
 
      Posted on Google  
   
   Ryan Carr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Liz Waterman at PCL Group was fantastic to work with. She's knowledgeable, honest, and made the whole process easy and pressure-free. Beautiful pieces, fair prices, and top-notch service. Highly recommend asking for Liz!
  
 
      Posted on Google  
   
   pawado 
 
 
 
 Trustindex verifies that the original source of the review is Google. Had a lovely experience with them.  Beautiful pieces available at reasonable prices.  Customer service and communication was outstanding, Liz Waterman was knowledgeable and extremely helpful.  Highly recommend.

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 at our luxury pawn shop in Jacksonville, FL, 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 at our pawn shop in Jacksonville, FL, 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.