Shop Pawn Necklaces

Style your own unique versions of the modern layered look with a few of our gold drop necklaces...or just wear one.

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Are you buying your first gold necklace or adding a one-of-a-kind heirloom to your jewelry collection? Find the perfect finishing touch in the necklace collection at Gem Pawnbrokers. Shopping pre-owned at Gem means getting luxury without the markup and a piece that’s unique. We have sleek gold chains to sparkling diamond pawn pendants, statement pieces to everyday essentials. Each necklace is carefully inspected by our in-house jewelry experts for authenticity, metal purity, and overall condition. 

Our necklace collection includes 10K, 14K, and 18K gold necklaces; diamond and gemstone pendants, Figaro, Cuban, rope, and cable chain styles; Lockets, cross pendants, initials & symbolic charms; luxury and vintage necklaces from brands like Tiffany & Co., Cartier, and more. Many pieces are gently pre-owned and polished to near-new shine, which makes them perfect jewelry for gifting, layering, or daily wear.

It’s easy to secure your favorite piece at Gem with our layaway options. You can lock in the piece you love and pay over time. We also have fast, insured shipping for peace of mind. On top of this, we’re open to returns and refund requests if something doesn’t feel just right. With more than 70 years of experience in fine jewelry, all of our selections are backed by expert authentication and decades of trust. 

Find something truly special at a price far below retail. Browse our online pawn shop or stop by one of our 20+ NYC locations today to explore even more.


FAQs

How accurate is your pawn shop’s gold testing method?

Gem uses a seven-step proprietary process to test every gold and silver item. We pair that process with industry-standard testing equipment for precise results. Every Gem Sales & Lending associate is highly trained to ensure quality and purity.


Do your stores sell both pendant necklaces and standalone chains?

Yes. Gem sells pendants, charms, necklaces, and standalone chains in many styles.


Can I return a necklace if the chain length isn’t right?

We provide detailed descriptions to help you choose the right length. Some returns are possible with approval from our e-commerce team. Reach out and we’ll walk you through next steps.


Are vintage or designer necklaces available for layaway?

Yes, our Layaway Plan is free. All jewelry items qualify for a 10-month plan with payments of 10% per month.