Terms of use

Last updated 23 October 2026

PawnSnap is a marketplace. We are not a lender and not a party to any loan or pawn contract. The contract is between the borrower and the lender.

Borrowers

• Describe your item honestly and only pawn things you own.
• A pre-approval is an estimate from photos. The final amount is set when the lender checks the item in person and can be different.
• Read the contract before you sign: amount, interest, fee, due date and what happens if you don't repay. For pawn loans the lender may keep or sell the item if it is not redeemed.

Lenders

• You must hold the permits needed for your business (for example a pawnbroker permit or a consumer-credit licence) and follow consumer-credit, interest-cap and anti-money-laundering rules, including checking the borrower's ID.
• Offers above the yearly cost limit shown in the app are not allowed.
• The subscription is billed monthly after the free trial and can be cancelled at any time.

Everyone

• No stolen goods, fake listings, harassment or attempts to move deals off the platform to avoid the rules.
• We may remove requests or block accounts that break these terms.