What Can You Pawn for $100?
Need $100? You Might Already Own Something Worth Pawning
Many people assume pawnshops only buy items, but the truth is, the majority of GEM Pawnbrokers’ business revolves around short-term collateral loans, also known as pawn shop loans. In fact, over 90% of our customers come back to reclaim their pawned items after the loan is repaid. So if you're looking for a safe, discreet way to access quick cash, pawning something you already own might be the answer, and it doesn’t require selling or giving anything up for good.
At GEM, we want to help you get the most value possible. That means assessing your item fairly, explaining the process clearly, and returning your item safely once the loan is repaid. No credit checks. No bank hassles. Just cash in hand.
Let’s take a closer look at what you can pawn for one hundred dollars, and how to make the most of your visit.
Items That Commonly Pawn for Around $100
You might be surprised by the value sitting in your home, closet, or drawers. Here are some examples of items we frequently see loaned for around $100 at GEM Pawnbrokers:
Small Gold Chains or Broken Jewelry
Gold prices are at historic highs, currently over $3,300 per ounce. That means even a single small gold chain or a broken earring could bring in a strong loan offer. We base offers on weight and karat, not just appearance. Learn more about how pawn shops value items.
Portable Bluetooth Speakers
Brand-name speakers from Bose, JBL, or Sonos can easily qualify for a $100 loan if they’re in good working condition and come with their charging cables.
Apple EarPods or Beats Headphones
Popular wireless earbuds and headphones retain great value, especially if you have the original box or case. Make sure they're fully functional, clean, and charged.
Name-Brand Sneakers (Deadstock Preferred)
Sneakers like Air Jordans, Yeezys, and other limited releases—especially unworn and in their original box—often qualify for loans. Even gently used pairs in excellent condition may meet the $100 mark.
Tablets or Smartphones
Devices from Apple or Samsung hold their value well. Be sure they’re fully operational and unlocked, and don’t forget to include the charger.
Gaming Consoles (With Accessories)
PlayStation, Xbox, and Nintendo Switch systems (with controller and cords) often fall in the $100+ range, depending on model and condition. A missing controller or damaged port could reduce your loan offer.
Power Tools
Cordless drills, nail guns, and saws from brands like DeWalt, Makita, and Milwaukee are frequently pawned for $100 or more. Clean them up and bring all the parts.
Musical Instruments
Compact, brand-name instruments like guitars, ukuleles, or keyboards—especially Yamaha or Fender—can be a solid option if they’re in good condition. Include any cases, stands, or accessories for a stronger offer.
What Impacts the Loan Amount?
At GEM Pawnbrokers, we do our best to lend as much money as we can while still ensuring we can recover our cost if the item isn’t reclaimed. That said, here are a few key factors that affect your offer or items you pawn:
- Brand: Well-known names like Apple, Sony, or Louis Vuitton are more likely to reach the $100 mark than generic or unknown brands.
- Condition: We only accept items in working order. Any visible damage, missing parts, or heavy wear can lower the offer or disqualify the item.
- Accessories Included: Items are worth more with original chargers, cases, memory cards, remotes, or cables. It’s even better if you have the box or proof of purchase.
- Presentation: Clean, functional items show better and build trust. If possible, remove any stickers, decals, or personal engravings.
How to Maximize Your Pawn Loan Offer
It can be confusing to know how to get the most out of your collectables or valuables. You don’t need to be an expert to get the best deal—just follow these simple tips:
Bring Everything That Came With the Item
Missing accessories = lower value. A camera without its battery or a phone without a charger will usually get a reduced offer. Include manuals, boxes, and anything else you have.
Clean and Reset Electronics
Wipe your item down, charge it fully, and delete personal info or passwords. A factory reset ensures a smoother process and protects your privacy.
Choose Brand Names Over Generic
Name-brand goods typically fetch higher loan amounts. We may still accept off-brand items, but the offers are usually lower due to resale value.
Avoid Personalization
Custom stickers, covers, or inscriptions can lower the value of your item. Buyers prefer clean, ready-to-use products.
Be Honest About Condition
If there’s a crack or defect, let us know upfront. Our team is here to help, not judge, and transparency helps us give the most accurate offer.
There’s no right or wrong item to get valued. Take a look at some of the best things to pawn, to get the most out of your items.
How Does Pawning Work at GEM?
The process is simple and stress-free, no negotiation needed:
-
Bring in Your Item
Walk into any of our 28 GEM locations with your item and a valid ID. No appointment is necessary. -
Receive a Free Evaluation
Our trained staff will inspect your item, assess its market value, and offer a loan amount. Evaluations are always free. -
Get Cash on the Spot
If you accept the offer, you’ll receive cash immediately. No credit check, no waiting. -
Reclaim Your Item When Ready
Repay the loan and any agreed interest within the loan term (typically 30 days, with extensions available), and your item is returned in its original condition—clean, safe, and insured.
What If You’re Embarrassed to Pawn Something?
We understand. Everyone’s situation is different, and we’re not here to judge. At GEM, you’re treated with respect and privacy, whether you’re pawning a diamond ring or a Bluetooth speaker. Our staff is trained to serve with care and discretion.
We’ve been in business for over 70 years, and we’ve helped hundreds of thousands of people get through tough moments, unexpected bills, or short-term cash needs. You’re not alone, and you’ll never be treated like less than because you walked into a pawnshop. If you’re still hesitant, read our guide on how much pawn shops pay for gold.
Why GEM Is Safer Than Selling Online
Meeting a stranger from the internet to sell your phone or jewelry can be risky. You don’t know who they are, where you’re going, or whether they’ll even show up. GEM offers a secure, in-store experience with guaranteed cash on your terms. No haggling involved, and our business is always conducted professionally.
It’s fast, safe, and straightforward—no sketchy parking lot meetups or delayed payments. Read more about the risks and benefits of pawnshops vs online marketplaces.
Why GEM Tries to Lend as Much as Possible
You don’t need to sell your collectables to get quick cash. We want your business again—not just once. Since most GEM customers reclaim their items, we aim to lend generously while protecting our ability to recover costs. Our staff is trained through GEM University to test gold, diamonds, coins, and watches with precision and care.
We typically lend up to 70% of an item’s wholesale value. If you purchased your jewelry from GEM using one of our Smart Plans, you may qualify for a higher loan, up to 60% of your original purchase price.
Gold in particular offers strong value right now. With prices soaring to record highs, your equity in gold jewelry has likely increased, making it a smart item to consider for a loan.
Visit Your Local GEM Pawnbrokers
If you think you might have something worth pawning for $100, we invite you to stop by one of our 28 GEM locations across New York City, Long Island, or Westchester. Our expert team will evaluate your item for free, walk you through your options, and get you cash on the spot.
Find your nearest location:
- GEM Bronx Locations
- GEM Brooklyn Locations
- GEM Queens Locations
- GEM Manhattan Locations
- GEM Long Island Locations
Need more guidance? Give us a call or stop in at one of our pawn shops in NYC. We’re happy to answer questions and help you get the most value from your belongings.
Final Thoughts: Your $100 Might Be Closer Than You Think
You don’t need to sell your valuables or take a payday loan. With GEM, you can get $100 quickly, safely, and respectfully—often using something you already own.
We’re here to help you make the most of your items with fast evaluations, honest offers, and no credit checks. If you’re unsure of what qualifies, just walk into a GEM location and ask. Evaluations are always free.
Find a GEM location near you and see how easy it is to get started: