Smart Pawn & Jewelry
3701 Monroe Rd, Charlotte, NC 28205
Smart Pawn & Jewelry is a pawn shop at 3701 Monroe Rd in Charlotte, North Carolina. It is also listed as jewelry buyer, loan agency. It is one of 12 Smart Pawn & Jewelry locations in our directory. A $500 loan here costs about $110 a month at most under North Carolina law.
Opening hours
| Monday | 10:00 AM–6:00 PM |
| Tuesday | 10:00 AM–6:00 PM |
| Wednesday | 10:00 AM–6:00 PM |
| Thursday | 10:00 AM–6:00 PM |
| Friday | 10:00 AM–6:00 PM |
| Saturday | 10:00 AM–6:00 PM |
| Sunday | Closed |
Contact & directions
- Phone
- (704) 376-6089
- Address
- 3701 Monroe Rd, Charlotte, NC 28205
- Website
- firstcash.com
Estimate your loan here
Every pawn shop in North Carolina follows the same state limits. Interest up to 2% a month plus fees of up to 20% a month, capped at $100 the first month, $75 the second and third and $50 after that.
up to $110
$610 to get your item back after one month
What you can pawn here
Items pawn shops commonly lend on. Each page explains how shops value it and what to bring; call Smart Pawn & Jewelry to confirm what it accepts.
Sell gold in Charlotte
Smart Pawn & Jewelry is also listed as a gold or jewelry buyer. Compare 13 gold buyers in Charlotte that are open now and work out your gold's metal value first.
What to bring
- A valid government-issued photo ID (driver license, state ID, passport or military ID).
- North Carolina rule: You must be 18 and show accepted ID.
- The item, clean and working, with chargers, cases, boxes and receipts.
- For gold: know the karat stamp and the weight. Estimate its metal value.
- To redeem later: your pawn ticket and the same ID.
License
North Carolina does not publish a downloadable statewide list of licensed pawn shops that we could match, so we cannot confirm the license here. Pawn shops must show their license in the store.
Location
3701 Monroe Rd, Charlotte, NC 28205
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Questions
What are Smart Pawn & Jewelry's hours?
Mon–Sat 10:00 AM–6:00 PM; Sun Closed. Hours can change on holidays; call ahead to confirm.
Where is Smart Pawn & Jewelry?
3701 Monroe Rd, Charlotte, NC 28205.
What is Smart Pawn & Jewelry's phone number?
(704) 376-6089.
How much does a $500 pawn loan cost at Smart Pawn & Jewelry?
North Carolina law caps the charge at $110 for the first month on a $500 loan, so up to $610 to redeem after one month. The shop can charge less; the pawn ticket shows the real amount.
What do I need to bring to Smart Pawn & Jewelry?
A valid government-issued photo ID and the item you want to pawn or sell, with its accessories. North Carolina rule: You must be 18 and show accepted ID.
Guides
Business details from public listing information and the shop's website (firstcash.com), checked November 5, 2026. We are not affiliated with this shop. Something wrong? Tell us.