How Much Will a Pawn Shop Pay for 14K Gold?
Live melt reference in USD — illustrative payouts only.
Illustrative percentages only—not a quote from any specific shop. Offers vary by location and item.
Pawn shops usually pay a percentage of melt value, not a fixed list price. A common range is about 50–70% of melt for gold they buy outright (varies by shop). At the current USD spot used on this site, 14K is roughly $84.57/g melt before any discount.
Pawn shops usually quote as a % of melt, not a fixed per-gram “price list.” Use melt as the anchor, then judge the offer band for 14K.
Pawn vs other channels (per gram, illustrative)
Melt per gram for 14K at this snapshot: $84.57/g. Other columns are typical % of that melt.
| Channel | Typical % of melt / g | Est. $/g (USD) |
|---|---|---|
| Pawn shop | 50–70% | $42.28 – $59.20 |
| Local gold buyer / jeweler | 65–80% | $54.97 – $67.66 |
| Online / mail-in buyer | 80–92% | $67.66 – $77.80 |
| Refinery (bulk / high volume) | 88–95% | $74.42 – $80.34 |
Per-gram melt here is for this karat at our spot snapshot. Offers vary—not a quote.
Illustrative payouts by weight (pawn ~50% of melt)
| Weight | Melt (USD) | ~Pawn (50%) |
|---|---|---|
| 1 g | $84.57 | $42.28 |
| 2 g | $169.14 | $84.57 |
| 5 g | $422.85 | $211.42 |
| 10 g | $845.70 | $422.85 |
| 20 g | $1,691.40 | $845.70 |
| 30 g | $2,537.10 | $1,268.55 |
| 50 g | $4,228.50 | $2,114.25 |
Before you walk in (quick tips)
- Ask for the number in writing on a receipt/ticket so you can compare it to another quote later.
- If they propose a pawn loan, ask the interest/APR, loan term, and exact buyback amount in dollars—not just percentages.
- Clarify whether you’re doing a pawn loan or a straight buy—those are different transactions with different math.
- Confirm what they are paying for: metal only vs stones vs branded resale value.
How to sanity-check the offer
- Compute melt for 14K (weight × 14K $/g).
- Translate the offer into an implied % of melt (offer ÷ melt).
- If it’s a pawn loan, compare the buyback amount to the cash you receive (fees/interest can dwarf the spread).
What makes 14K negotiating easier
Because 14K is common and easy to resell, competitive shops sometimes pay a better %—especially for clean, wearable items. Knowing your melt baseline helps you separate a fair offer from a convenience discount.
Red flags
- They won’t put the offer and terms on paper (ticket/receipt), especially for a pawn loan.
- They won’t state the buyback amount and deadline in dollars (only vague % or verbal promises).
- They avoid explaining what is included in the weight (stones, clasps, non-gold components).
Scrap gold calculator
Model melt vs buyer payouts for 14K—same spot basis as above. Pawn Shop uses the typical range we discuss on this page.
Scrap Gold Calculator
See what different buyers might pay based on market value
Adjust this price to project a future value. 24K per troy oz.
Typical ranges: pawn shops pay about 50–65% of melt value, online gold buyers about 80–92%.
Formula: weight × karat multiplier × spot price. 14K = 0.585, 18K = 0.75, 10K = 0.417.
Loading gold prices…
FAQ
- How much do pawn shops pay for 14K gold?
- Many pawn shops pay roughly 50–70% of melt for gold they buy outright, but it varies. At about $84.57/g melt for 14K, a 10 g item would be near $845.70 melt before any discount.
- Is the pawn shop price the same as melt value?
- No. Melt value is the full gold value at spot; pawn shops need margin and cover costs, so offers are usually lower.
- What should I ask a pawn shop before I sell 14K gold?
- Ask what unit they weigh in (grams vs dwt) and what percentage of melt they’re paying. If the first offer is low, reference melt and ask if they can move closer to typical bands. Get at least one other quote if you have time.
For per-gram melt tables, see 14K gold value by weight or the main pawn shop guide.