We're located in McGinley Square, the Heart of Jersey City! Our address is 744 Bergen Avenue, Jersey City, NJ 07306 Street parking only.

Monday through Friday 9:00 AM to 5:30 PM Saturday 9:00 AM to 3:30 PM Sunday CLOSED Certain Holidays CLOSED Call to confirm business hours for Holidays! Important Announcements, like Delayed Openings or Emergency Closings, will be posted on our Social Media pages!

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Unfortunately, no. Please plan your visit accordingly.

If you have questions about your pawned items, we'll need to speak with you directly. Call us at +1 201-333-8991 during our business hours.

We mostly accept gold and diamond jewelry, watches, and musical instruments. There may be some things we will not take (e.g. electronics, smart watches, tools and game consoles). Give us a call first to see if we accept your items before you come in!

Absolutely! Your unexpired, government-issued photo id will be required at the beginning of each transaction. It could be a State ID, a Driver's License or a Passport. A physical ID is required- NO Photos on your cell phone nor paper photocopies of ID will be accepted.

Required by law, we check all customers who pawn to determine an individual's covered borrower status for the protection of the Military Lending Act.

The interest (finance charge) of your loan is calculated at 4.5% MONTHLY. Remember, loans are good for 4 months. An 8% service charge may also apply on your loan. Ask us for details!

Each pawn ticket is good for 4 months from the day you pawn. You can pay to redeem your items or renew your ticket anytime within those 4 months. Keep in mind, we are closed on Sundays and certain Holidays. We cannot adjust the due date on your ticket. If your maturity (due) date falls on a Holiday or a Sunday, you must make payment prior to the date we are closed or you risk incurring more charges or potentially defaulting on your loan. Ask us for details.

"dwt" is the abbreviation for "pennyweight". The pennyweight is a common weight measurement used in calculating the amount and cost of gold amongst pawnbrokers and jewelers. We do not use grams or ounces in our calculations at H.Schoenberg.

We unfortunately cannot just print a new one. In order to give you a new ticket, you need to pay the interest. (ID required. Account holder MUST be present. $5.00 Affidavit fee applicable. Ask for details.) Caution! Tickets ARE transferable. Anyone with your ticket CAN pick-up your items. To prevent anyone from claiming your items with your lost ticket, contact us and request a "STOP".

We have changed our system! We will need your ticket numbers in order to look it up! Original Pledgor can come to our store and present ID so we can assist. On the go, you can download the MobilePawn app ( Apple iOS | Google Play store ) to view your pawn tickets and layaways! Caution: Remember that ANYONE with the pawn ticket CAN claim your loaned items. Ask us for details on preventative measures you can take.

A STOP is issued when a Pledgor (the person who pawned) requests a STOP to prevent third-parties from claiming items under Pledgor's name should third-parties obtain the Pledgor's pawn tickets. Once a STOP is in place, pawn tickets become void and cannot be reversed. In order to renew or redeem pawned items that have been stopped, Pledgor must then claim items with an unexpired, government-issued photo ID plus any payments that are due. Any items placed under a STOP is subject to an additional $5.00 affidavit fee.

All in-store pawn (loan) payments MUST be made in CASH ONLY. Whether you're stuck at work, on vacation, or sick and can't come to our shop for other reasons, you may be able to make interest payments online using a debit card on the MobilePawn app ( Apple iOS | Google Play Store )! No credit cards accepted. Restrictions may apply. Ask store representative for details!! Please, try not to wait until last minute to make online payments! Always allow yourself enough time to account for any technological errors that may occur!

You risk defaulting on your pawn and losing possession of your items! Your items may be sent to get scrapped. Once scrapped, the items are unretrievable.

We accept gold and diamond jewelry, silver jewelry, watches, musical instruments, and more. There are some things we will not take (e.g. electronics, smart watches, tools and game consoles). Give us a call to see if we accept your items before you come in!

"dwt" is the abbreviation for "pennyweight". The pennyweight is a common weight measurement used in calculating the amount and cost of gold amongst pawnbrokers and jewelers. We do not use grams or ounces at H.Schoenberg.

Sure! We'll examine your gold to determine the karat and weigh it first!

Absolutely. Your unexpired, government-issued photo identification is required at the beginning of all transactions.

We send out all our gold jewelry repairs out to a bench jeweler we trust. We unfortunately do not do repairs on the premises. (COVID-19 Update: Our bench jewelers are currently not taking any repairs. )

Only if we have the correct tools and equipment!

Yes, providing we have the correct batteries and tools to open your watch. Watch battery replacement is normally done in our store, but there are some watches that have batteries we may not carry. Special order or outsourcing the repair may be required. Ask for details. (COVID-19 Update: For watches that are special order- Our bench jewelers are not accepting any repairs at this time.)

We carry leather bands of various sizes. We also replace, add or remove watch pins depending on size. Watch band replacement is normally done in our store, but there are some watches that have bands or parts for the band we may not carry. Special order or outsourcing the repair may be required. Ask for details. (COVID-19 Update: For watches that are special order- Our bench jewelers are not accepting repairs at this time.)

We unfortunately do not clean jewelry in-house. All of our jewelry on display is outsourced to get cleaned and polished. However, we have DIY Jewelry Cleaner and Professional Polishing Cloths available for purchase. Our cleaners and cloths are good for various metals and gemstones. Ask for details!

The Gentle Jewelry Cleaner is formulated to clean various metals and/with gemstones. Just drop your jewelry in for about two minutes. You may use the brush provided to clean around stone settings gently. Afterwards, take it out of the cleaner and rinse with clean water. The Silver Jewelry Cleaner is formulated to clean silver jewelry only. Just drop your jewelry in for a minute, take out of the cleaner, and rinse with clean water. Repeat as necessary. Our Silver Cleaner is a more gentle type of cleaner compared to other silver cleaners, so if your silver jewelry is heavily tarnished, try leaving in the cleaner a little bit longer. If your silver jewelry contains gemstones, we recommend using the Gentle Jewelry Cleaner instead. We highly recommend following up with a polishing cloth. Never leave your jewelry in the cleaners overnight.

Use the inner part (white cloth) to remove tarnish and discoloration. Follow up with the outer part (beige cloth) to bring out the shine! It's normal for the cloth to darken and get "dirty". The cloth is treated with a special compound that helps bring out the shine in your jewelry. Never wash the cloth.

Refund or Exchange only within (5) days with original receipt(s). A 15% restocking fee applies on returned items. All transactions paid with a credit card must be accompanied with an unexpired, government-issued ID. All discounts (sales) and repairs are FINAL SALE. Anything marked FINAL SALE cannot be Returned and no Exchange.

No sales or discounted prices on items in Layaway. NJ Sales Tax applied. All layaways must be made in person using an unexpired, government-issued ID. Last Payment can be made using a debit or credit card accompanied with a government-issued ID. All other Layaway payments must be made in cash. Layaway payments must meet the minimum 10% of the total price including tax. Payments must be made every month for up to ten (10) months. Any late, unpaid layaways will automatically be canceled, the items will be returned to the show floor, and all monies applied will be forfeited. Any Layaway cancellations must be accompanied with original receipt(s). Up to a 25% cancellation fee may apply. Anything marked FINAL SALE cannot be Returned or Exchanged nor given Store Credit.