Why we’re better than a pawnshop

Lower interest rates. Lower fees. Longer loans. Learn why we’re better than the average pawnshop.

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What’s our process? What are our rates? Find answers to these questions and more in one spot.

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Fast Cash Calculator

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The Best Pawnshop in NYC- The Provident Loan Society

The Provident Loan Society is a not-for-profit lending organization that provides instant cash loans up to $100,000 for gold, jewelry, fine watches, and silverware.

Better than Traditional Pawnshops

We’ve been a trusted lending source to New Yorkers for over 100 years. That’s because we’re better than traditional pawnshops, with lower interest rates (26% vs. 48%), longer pay back periods (6 months vs. 4 months) and minimal ticket and handling fees.

Cash On-the-Spot, No Credit Check Required

Simply bring your gold and jewelry to one of our five convenient New York City locations. We’ll appraise the items right there and make you a loan offer. Then present an I.D., sign a card acknowledging the item’s ownership, and you’ll receive your cash on-the-spot. The entire process typically takes less than 20 minutes. Your items will be safely stored in secured electronic vaults until you pay back the loan. You can also reduce or redeem your loan at any time during the six-month repayment period. Visit one of Provident’s five convenient New York City locations:


  • Manhattan-Flatiron District
  • 346 Park Avenue South
  • (Corner of E. 25th Street)
  • New York, NY 10010
  • (212) 685-0386
  • Get directions
  • Manhattan-Upper East Side
  • 180 E. 72nd Street
  • (Near 3rd Avenue)
  • New York, NY 10021
  • (212) 288-0918
  • Get directions
  • Office hours for all locations:
  • Monday through Friday
  • 9:00 am to 4:00 pm.
  • Bronx
  • 2573 Decatur Avenue
  • (Off Fordham Road)
  • Bronx, NY 10458
  • (718) 367-2850
  • Get directions
  • Brooklyn
  • 7804 Fifth Avenue
  • (Bay Ridge Area)
  • Brooklyn, NY 11209
  • (718) 238-0506
  • Get directions
  • Queens
  • 136-48 39th Avenue
  • (Near Main Street)
  • Flushing, NY 11354
  • (718) 358-9191
  • Get directions

Use our online Fast Cash Calculator to estimate your interest and fees. You can also apply for a secured cash loan online, by phone, or by mail.

To learn more, call us toll free at 1-800-PLS-PAWN (800-757-7296) or come in for a visit.

The Provident Loan Society. Pawning Redefined.