No stored Google rating available.
Third Avenue Pawn Broker in East Harlem offers gold pawning, jewelry sales, and watch/jewelry repair services with competitive rates and same-day transactions.
Data compiled from public sources
Third Avenue Pawn Broker is a pawn shop located at 1996 3rd Avenue in New York, NY, positioned between East 110th and East 109th Streets in the East Harlem neighborhood. The shop has been serving the local community as a traditional collateral-based lending and retail operation for gold and jewelry goods. The business operates during extended hours six days a week, with slightly reduced Sunday hours, making it accessible for working customers and weekend shoppers.
The shop specializes in gold pawning with claims of offering the highest prices for pawned items and the lowest interest rates in the area. Beyond pawning, they maintain a retail operation selling jewelry inventory, likely acquired through pawned items or direct purchases. Their additional services include jewelry repair, gold jewelry fixing, watch band replacement, and watch battery installation—services that add value for both pawn customers and retail jewelry buyers. The business accepts walk-in customers and maintains a direct phone line for inquiries.
Third Avenue Pawn Broker distinguishes itself through multiple value-added services beyond basic pawning: in-house jewelry repair and watch maintenance reduce the need for customers to visit multiple vendors. The explicit marketing of rate claims to verify (highest pawn prices, lowest interest rates) suggests price competitiveness in a market segment where rates vary significantly. Their presence as an accessible retail location with extended weekday hours serves the needs of both individuals seeking short-term cash access through pawning and those shopping for discounted jewelry.
The business operates as a traditional pawn shop without any apparent fintech, online lending, or credit-building components. For consumers seeking immediate collateral-based loans, this represents a straightforward, in-person transaction option. However, without published rate information, customer reviews, or transparency about specific APR terms on their website listing, potential customers cannot independently verify their rate claims before visiting. The limitation to physical location access and the lack of digital presence details typical of modern lending platforms may present friction for digitally-native consumers.
This is state-level context for Pawn Shops consumers in New York, NY. It does not confirm that Third Avenue Pawn Broker or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Short-term lending status: Banned
General rate context: 16% civil usury; 25% criminal usury; payday lending banned
New York bans payday lending through its 16% civil usury and 25% criminal usury caps. The Department of Financial Services aggressively pursues illegal online payday lenders. Consumers have strong protections under state law and can file complaints with DFS or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Third Avenue Pawn Broker offers 9 services including Gold pawning with collateral-based short-term loans, Jewelry sales and retail inventory, Gold jewelry repair and restoration, Watch band replacement, Watch battery installation and replacement, and 4 more.
Third Avenue Pawn Broker has profile signals associated with East Harlem and Upper East Side residents researching short-term cash access for short-term financial gaps, Gold and jewelry owners seeking to liquidate items quickly without retail sales hassle, Customers needing watch or jewelry repair services combined with potential pawning options, Price-conscious consumers looking to purchase discounted jewelry from retail inventory.
Key strengths: Claims highest pawn prices and lowest interest rates in the local area; Offers in-house jewelry repair and gold jewelry fixing services; Provides watch band replacement and battery installation on-site. Areas to consider: No published interest rates or terms visible on listing—customers cannot verify competitive rate claims before visiting; No customer reviews or ratings available to assess service quality or reliability.
In the Pawn Shops category, comparable providers include 24hr pawn shop, A-1 Pawn Brokers, Abe Mor Diamonds. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Third Avenue Pawn Broker is profile signals for East Harlem residents and jewelry owners seeking short-term cash access through collateral-based loans or looking to purchase discounted jewelry with on-site repair services. The main caveat is the complete absence of published rates, terms, fees, or customer reviews on their online listing—prospective customers cannot verify their rate claims or assess service quality without visiting in person.
NYC-based pawn shop offering same-day cash for luxury watches, jewelry, diamonds, and electronics with extended hours until 2 AM on weekdays.
Profile signals: Individuals researching short-term cash access for luxury items (watches, jewelry, diamonds) without appointment hassles, Night-shift or late-evening workers who need pawn services outside standard business hours
A-1 Pawn Brokers offers collateral-based loans and direct purchases of valuables including gold, silver, diamonds, and watches with 35+ years of experience.
Profile signals: Consumers with poor or no credit history who are researching short-term cash access and may not meet traditional loan criteria, Individuals with valuable items (jewelry, watches, coins) they're willing to pledge short-term for liquidity
Family-owned diamond and jewelry buyer/seller in NYC since 1954, offering both retail purchases and consignment sales through their online platform.
Profile signals: Jewelry store owners and retailers seeking wholesale diamond inventory with personalized supplier relationships, NYC-based consumers selling inherited diamonds or jewelry who prefer local in-person evaluation
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Third Avenue Pawn Broker and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.