Business Details
33 Years
experience
Emergency
services
Your Trusted Financial Partner in Lowell
Since 1993, Lowell Pawn has been a trusted financial institution dedicated to serving the Lowell community with integrity and compassion. Our mission is to provide accessible financial solutions for individuals facing unexpected emergencies, offering collateral-based loans that empower clients to regain financial independence. With over 25 years of experience, we combine strict regulatory compliance with empathetic service, having successfully issued 200,000+ loans while maintaining industry-leading redemption rates. Our team of certified professionals, including a GIA Graduate Gemologist and seasoned pawn industry veterans, ensures accurate appraisals and transparent transactions.Governed by both legal frameworks and ethical principles, we actively partner with local organizations to strengthen community bonds through financial education initiatives and charitable partnerships. Our modern facility at 755 Lakeview Avenue combines secure banking heritage with contemporary retail practices, prioritizing customer safety and satisfaction through digital payment reminders and comprehensive item authentication processes.
Services
Pawn Loans
Cash for Items
Jewelry Appraisals
Electronics Sales
Layaway Programs
Details
- Year established: 1993
Highlights and features
- 25+ years serving Lowell's financial needs since 1993
- 82% loan redemption success rate demonstrates reliability
- GIA-certified gemologist ensures accurate jewelry valuations
- Transparent process with text/email payment reminders
- Community-focused partnerships with local organizations
Services
Pawn Loans
Collateral-based short-term loans help Lowell residents manage financial emergencies. Clients receive immediate cash by pledging valuable items like jewelry or electronics. Massachusetts regulations ensure transparent 120-day terms with mandatory payment reminders. Over 82% of loans get redeemed successfully, demonstrating our community's responsible use of this financial tool.
Cash for Items
We pay immediate cash for gold, diamonds, electronics, and collectibles. Our certified staff provides instant evaluations using acid tests and gemological analysis. Most transactions complete within 10 minutes, offering quick liquidity without credit requirements. Popular items include jewelry, cameras, and musical instruments.
Jewelry Appraisals
GIA-certified professionals provide accurate jewelry assessments using loupe inspections, carat measurements, and metal testing. Clients receive detailed evaluations for both pawn loans and direct sales. This service helps maximize item value through precise quality analysis.
Electronics Sales
We sell tested electronics including smartphones, game systems, and cameras. All devices undergo virus checks and functionality verification. Competitive pricing and quality assurance make us a trusted source for refurbished technology in Lowell.
Layaway Programs
Our layaway options let customers purchase items through installments. Terms range from 3 months for purchases under $500 to 6 months for larger purchases. Valid ID required for all layaway transactions, with monthly payments tracked carefully.
People
Christopher
President, CEO
With 30 years of engineering experience and global travel background, Christopher purchased Lowell Pawn in 2006, transforming it into a community financial pillar. He focuses on operational excellence.
Eddie
Manager
A veteran pawn industry professional with 25+ years experience, Eddie brings deep expertise from national chains like Cash America. He has managed Lowell Pawn operations since 2010.
Trisha
Certified Appraiser
Trisha's 30-year jewelry trade experience includes GIA gemology certification. She handles all appraisal services while maintaining memberships in professional appraisal societies.
Bryce
Sales/Lending Associate
Returning to Lowell Pawn after a brief hiatus, Bryce delivers personalized service as a skilled lending associate with prior retail experience in our store.
Questions
What types of pawn loans do you offer?
We offer collateral-based loans for jewelry, electronics, and valuable items with 120-day terms and 82% redemption rates.
How long has Lowell Pawn been in business?
Since 1993, we've served Lowell as a licensed pawnbroker with 25+ years of community financial experience.
What items can I pawn for a loan?
We accept jewelry, electronics, tools, watches, and collectibles. Prohibited items include firearms per Massachusetts state law.
How are pawn item values determined?
Our GIA-certified gemologist and trained staff use market analysis and testing methods to assess item value accurately.
Can I shop online at Lowell Pawn?
Yes, our e-commerce platform offers hundreds of jewelry, electronics, and collectible items available for purchase.
Reviews (5)
Matt DiPietro
Jun 22, 2022
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Best pawn store by far. A great setup, lots of different and rare items at good prices. Knowledgable and friendly staff unlike most other shops I've been to. Sports memorabilia, coins, jewelry, tools, video games, and loads of other stuff make this a definite go to for me.
TheJeff Jeff & Sir Nates A. Lot Network
Jun 15, 2022
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I absolutely love Lowell Jewelry and loan. I have been going there for about 4 years now 9n and off. I have no family in the area, so if I need a loan I hit them up w/ collateral receive a loan with in minutes and only pay a small amount of interest and have a month to pay it back. They are super friendly and have great merchandise. I would definitely recommend!
Don Depriest
May 31, 2022
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Was in a tight spot and needed a little cash for few days but was denied loan, I brought in an ebike valued at $1200(bike is 3 months old), asked for a $100 loan, they denied me because they don't have space for a bike( this bike folds in half and has a 2'X3' footprint). Website says they are there to help, thanks for nothing, I DO NOT RECOMMEND! After reading your response I have a couple questions, which is the lie, I was told you would normally give a loan on the bike but "there is not enough room to store it now" but your response says it's because of battery, so which statement is true? Secondly, do you sell phones, because they have same type of battery which means same risk, as well as cordless drills and other tools(which I did see in your shop). So in the future try to be honest, now I wish I could give negative stars
Reginald Gilbert
May 27, 2022
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Was my first time pawning an item. They were very friendly and made the process simple and easy. Got the money I needed and was very satisfied with the service. Would definitely recommend.
Lori MacFarlane
Mar 20, 2022
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I am new to the area so this was my first time in. The staff was friendly and helpful and offered me the amount I had hoped to receive. Before I had a chance to even notice, I received a call telling me I had left my ID. I appreciated that very much, I would have been in a panic had I not been able to find it. I have noticed that every review I have seen contains a reply from the owner - even the ones that don't contain any comments. To me that says they care enough about the customers to give each review individual attention. I can't find any reason to go anywhere else. I look forward to going in when when I'm looking to buy.
