Our Process

What to Expect When Working With PCL Group USA

At PCL Group USA, our process is designed to be transparent, professional, and pressure-free. Whether you’re selling gold, silver, coins, diamonds, or fine jewelry, our goal is to ensure you understand the value of your items and feel confident throughout the entire experience.

From your initial evaluation to receiving an offer, we take the time to explain each step and answer any questions along the way. There is never an obligation to sell, and all evaluations are handled discreetly in a secure office setting.

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 Your Appointment

Next we will schedule a private appointment 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 Your Funds

If you determine PCL Group is the right fit for you, we will arrange for immediate payment.

At the end of the initial 30-day loan, you can simply renew your loan for another 30 days through our Customer Portal

Renew Your Loan Online

At the end of the initial 30 day loan, you can simply renew your loan for another 30 days through our Customer Portal.

Items We Accept as Collateral

What Our Clients Are Saying

“Will highly recommend doing business with them. Honest jewelers, and a great place to source fine jewelry and diamonds.”

“I dealt with Mr. Will Harris. The office and his attitude was very refreshing. He was respectful and honest. He gave me a great deal on my gold. I would highly recommend this place to anyone looking to get rid of any extra gold or other items. High class business here, run by a high class gentleman.”

“The nicest brokers you’ll ever meet. They get so excited about what you have to show. So refreshing and honest. Highly recommend.”

Frequently Asked Questions

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.

What items do you not accept?

PCL Group does not operate as a traditional retail pawn shop and does not accept every item presented. Items must be verifiable, marketable at a wholesale level, and align with our lending model. Each inquiry is reviewed individually through a brief vetting process prior to scheduling an appointment.

How long is the loan term?

All loans are structured in 30-day terms, with the option to renew every 30 days. This is one of the most common points of confusion, and we make sure clients fully understand the loan structure before moving forward.

Is PCL Group a pawn shop?

While PCL Group holds a required pawn license, the experience and process are very different from a traditional pawn shop. We are not a retail storefront and do not operate with walk-in counter service. Appointments are private, scheduled in advance, and conducted one-on-one in a secure, discreet environment.

How does PCL Group determine value?

Loans are based on wholesale market value, not retail pricing. For precious metals, valuation is tied closely to current market and spot prices, along with the verified metal content. Jewelry, coins, and branded items are assessed based on authenticity, condition, and wholesale demand.

Do you pay based on gold or silver spot prices?

Yes. Many clients ask how loan values relate to current gold and silver spot prices. While spot price is an important factor, loans are based on wholesale value and the actual metal content of the item—not retail resale pricing.

Why might PCL Group’s value differ from another buyer?

Different buyers use different valuation methods. PCL Group lends conservatively based on wholesale value to protect both the client and the integrity of the loan. Clients are welcome to compare offers, and we are happy to explain how our numbers are calculated and how market conditions may affect pricing.

What part of the process surprises clients the most?

Clients are often surprised by how much time and attention is given to each appointment. Appointments are typically scheduled for one to one-and-a-half hours, allowing for a thorough review of assets, discussion of options, and a pressure-free decision process. Clients are never rushed.

Is the process private and discreet?

Yes. Discretion is one of the most common reasons clients choose PCL Group. Appointments are private, one-on-one, and conducted in a secure setting—without crowded counters or public transactions.

Do you work with estate or inherited assets?

Yes. Estate situations and inherited assets are common. These transactions are handled carefully, often in coordination with executors or estate professionals. Proper documentation is required to ensure everything is handled correctly and responsibly.

What types of asset values are most typical?

Asset values vary by item and market conditions. Precious metals and bullion are often loaned at a high percentage of their melt or metal value. Jewelry and coins are evaluated case by case, depending on marketability and wholesale demand. Diamond valuations vary significantly due to current market conditions.

Why do clients choose PCL Group over other options?

Clients frequently cite the private setting, personalized service, and transparent process as reasons they choose PCL Group. Many appreciate the ability to sit down, ask questions, and fully understand their options without pressure.

What types of asset values are most typical?

What feedback do clients usually give after a successful transaction?

Clients often describe the experience as unexpected—in a positive way. Feedback commonly highlights the personal, professional approach and how different the process feels compared to what they anticipated going in.

What professional organizations is PCL Group affiliated with?

PCL Group is an active member of several respected industry organizations, including:
American Numismatic Association (ANA)

Blue Ridge Numismatic Association (BRNA)

Florida Pawnbrokers Association

Florida United Numismatics (FUN)

Georgia Numismatic Association (GNA)

National Pawnbrokers Association (NPA)

Numismatic Guaranty Company (NGC)

Professional Coin Grading Services (PCGS)

Tennessee State Numismatic Society (TSNS)

These affiliations reflect our commitment to professional standards, ethical practices, and ongoing industry education.