Lincoln Square Pawnbrokers, Inc. logo

Lincoln Square Pawnbrokers, Inc. in New York, NY

4.4/5

Manhattan-based pawn shop offering cash loans on jewelry, watches, electronics, and precious metals since 1946. Licensed pawnbroker on NYC's Upper West Side.

Data compiled from public sources · Rating from CreditDoc methodology

Lincoln Square Pawnbrokers, Inc. Review

Lincoln Square Pawnbrokers Inc. has operated continuously since April 1946, making it a long-established fixture in Manhattan's Upper West Side financial services landscape. The company has maintained the same management throughout its history and has operated from multiple locations in the Lincoln Center/Upper West Side area, currently located at 724 Amsterdam Avenue between 95th and 96th Streets.

The company offers cash loans on collateral including gold and diamond jewelry, watches, electronics, and other items, with loans starting at $20. Additional services include watch battery replacement performed while customers wait. The company accepts items for both loan collateral and outright purchase.

Lincoln Square Pawnbrokers distinguishes itself through two key practices: offering two-month grace periods for loan redemption that exceed New York State legal requirements, and emphasizing ethical business practices and customer service. The company markets itself as offering discrete transactions and maintaining secure bank vaults for customer items. They have been licensed by New York authorities (License #0835711 and #1386207).

As a pawn shop, this business model involves typical pawn transactions where customers receive immediate cash in exchange for personal property held as collateral. Like all pawnbrokers, the company's revenue depends on loan interest, storage/handling fees, and resale of unredeemed items. The business serves customers who need quick cash access without credit checks, though interest rates and terms are not disclosed on their website.

Services & Features

Cash loans on diamond jewelry collateral
Cash loans on electronics
Cash loans on gold jewelry collateral
Cash loans on watches
Collateral holding with extended grace periods (two months)
In-person cash transactions
Outright purchase of jewelry, gold, and electronics
Secure item storage in bank vaults
Watch battery replacement service
eBay resale and inventory liquidation

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Long operational history (in business since 1946) with consistent management and reputation building
  • Extends grace periods beyond New York State legal requirements for loan redemption
  • Licensed and regulated pawnbroker with published license numbers (0835711, 1386207)
  • On-the-spot cash transactions with no credit checks required
  • Wide range of accepted collateral (jewelry, watches, electronics, gold, diamonds)
  • Secure bank vaults for storing customer collateral items

Cons

  • Interest rates, fees, and loan terms not disclosed on website—borrowers must visit in person to learn costs
  • Limited hours (closed Wednesdays and Sundays; closes at 5pm weekdays) may be inconvenient for working adults
  • Only one physical location in Manhattan, not accessible to outer boroughs or surrounding areas
  • Unredeemed items are resold, so customers permanently lose collateral if unable to repay loans plus interest
  • No online loan application or quote system—requires in-person visit to initiate transaction

Rating Breakdown

Value
5.0
Effectiveness
4.7
Customer Service
3.9
Transparency
3.5
Ease of Use
4.5

Frequently Asked Questions

Is Lincoln Square Pawnbrokers, Inc. legitimate?

Yes. Lincoln Square Pawnbrokers, Inc. is a registered company, headquartered in New York, NY.

How long does Lincoln Square Pawnbrokers, Inc. take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters
New York, NY
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Lincoln Square Pawnbrokers, Inc.

CreditDoc Diagnosis

Doctor's Verdict on Lincoln Square Pawnbrokers, Inc.

Lincoln Square Pawnbrokers is best for Manhattan residents on the Upper West Side who need immediate cash and own valuable items (jewelry, watches, electronics) they can pledge as collateral. The primary caveat is that borrowing costs (interest rates and fees) are not disclosed online, and customers who cannot repay will permanently lose their pledged items, making this a high-risk financing option despite the company's extended grace periods.

Best For

  • Manhattan Upper West Side residents who need immediate cash and have jewelry, watches, or electronics to pledge
  • Borrowers with poor or no credit history who cannot qualify for traditional personal loans
  • People with urgent short-term cash needs who can repay within the grace period
Updated 2026-04-30

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Financial Wellness Guides

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