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If you want to sell your necklace – lets say a 14k gold necklace, and you want to know how much it is worth at a pawn shop; then this is the article for you.
Like anything gold related, at pawn shops you are offered the value of the gold item based on the carat weight of the item multiplied by the weight in grams of the item itself. The pawn broker takes those two numbers and then bases their offer from the daily gold melt value.
There are many place where you can find out the current melt value of gold. Once you figure that out – you multiline the weight of the gold by the karat. Keep in mind that 14k gold is equivalent to 58.5 percent actual gold. So lets say your chain weighs 21 grams of gold and it is 14k. You take 21 and multiply it by 0.585 to get 12.28 grams of pure gold. Then you take the 12.28 grams and find the melt value of that item for the day you visit the pawn shop.
It’s important to remember that you wont get the full 100% melt value of your item. The pawn shop has to turn a profit on this, so they will offer a percentage of the melt value to you as your pawn loan. If you wish to sell the item outright – they may be able to get you closer to the spot value.
You always want to manage your expectations, and understand the pawn process – especially when you are selling jewelry. Gold values fluctuate from day to day, so knowing the daily melt value is also important to help you negotiate with a pawn broker.
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