Royal City Jewellers only accepts payments via the following methods:

  • Cash
  • Debit
  • Money Order
  • Interac E-Transfers

If you require more time than three (3) months, a loan may be renewed at our discretion by paying the interest accrued at the end of the three (3) months. When this is done, we will issue a new pawn ticket valid for an additional three (3) months.

If you are unable to pay interest charges on or before the due date, on request we will hold the item(s) for a maximum of seven (7) days past the original expiration date for an additional charge in the equivalence of one month’s interest. Royal City Jewellers retains the right to deny such a request.

In the event of a loan default, we will usually sell the item(s), if available, back to the pawner for 150% of the principal amount of the loan, plus GST.

Mail-In Payment Policy

We will accept renewal payments via mail with either an E-Transfer or Money Order with the following requirements:

Through your online banking, please send the full amount of the interest owing plus a $3 service fee (plus any extra you may want to be reduced from the principle of the loan) to renewal@rcj.ca with your pawn ticket # as the message.

IMPORTANT: If you are sending an e-transfer payment on behalf of someone, please ensure to provide their name and loan number in the message.

The question is: What is our specialty? The answer is: value. Note: If necessary just add a 1 to the end of the answer (value1) and say +1 in your message with the loan #.

As this is a ticketless transaction, the earliest we can renew is on the day of grace.

We will be mailing you your new ticket. Please ensure we have your correct mailing address on file.  If you would like us to include a tracking number when we mail you your new ticket, there will be an additional charge of $10.

Please ensure that the amount of your E-Transfer is the correct interest due plus the $3 fee. If you are unsure, please call us at 604-526-7296 with your pawn ticket number and we can let you know the correct amount owing. Please Note: If you do not send enough, your e-transfer will be rejected.

Interest is calculated based on when it is received. Ie. If the money is received beyond 4:45 PM (Pacific time) on the day of grace the additional one-month interest charge will be added. Please note that it is time received not sent, so please allow for your bank’s processing time.

The ORIGINAL pawn ticket (you may wish to keep a photocopy for yourself to check on the loan, once sent in).

A self-addressed stamped envelope (to return the new ticket(s) to you at the correct address).

A money order in the full amount of the interest owing (plus any extra you may want to be reduced from the principle of the loan).

If you fail to provide us with a self-addressed stamped envelope, we can mail you your new ticket. Please ensure we have your correct mailing address on file. If you would like us to include a tracking number when we mail you your new ticket, there will be an additional charge of $10.

We reserve the right to restrict the use of this service at our discretion.