PT Deli Sumatera Gadai lends against goods in Deli Serdang, North Sumatra. You bring an item, we assess it, you leave with money and a pawn ticket. Redeem within the period and you take the item back.
Most people understand that part. What far fewer know is what happens after the period ends — that the item goes to auction rather than simply becoming the pawnbroker's property, and that any amount realised above the debt and the costs is money the customer is entitled to claim.
That single fact is the reason this page exists, and it applies at every licensed pawnbroker, not only here.
Simplified, and the shape is what matters. Every stage has a date on your ticket, which is why the ticket is the most important piece of paper in the transaction.
When an item sells for well above the loan — which happens often, because the loan is deliberately set below value — there is money waiting for the customer who never came back to ask.
If you have ever left an item unredeemed at any pawnbroker, it is worth asking whether a surplus arose. Bring the ticket if you still have it, and identification. There is generally a time limit on claiming, so asking late is better than not asking and asking early is better still.
Illegal pawnbrokers operate alongside licensed ones, and from the street they look identical. The difference only becomes visible when something goes wrong, which is the worst moment to discover it.
Gold and jewellery, watches, and electronics in working condition, assessed at the counter while you wait. The loan offered is always below the item's value, and we will tell you the assessed value as well as the loan so that you can judge whether the trade is worth making.
We do not take goods whose ownership cannot be established, and identification is required. This is not suspicion of you; it is the ordinary condition of lending against property, and a pawnbroker that never asks is a pawnbroker with a different problem.
No rate is published on this page. Charges depend on the item, the amount and the period, and any figure here would be wrong for most readers. You will be told the total to redeem, and the date by which to do it, before you accept anything.
Because the item has to cover the debt, the interest and the cost of selling it if you do not come back — with a margin for a sale that goes worse than expected. A pawnbroker offering close to full value is not being generous, it is taking a risk that ends in pressure on you rather than on them.
Come in with identification and tell us as soon as possible. A replacement process exists, but it is slower than producing the ticket and it is far better handled before the redemption period ends than after.
Ask at the counter — partial arrangements and extensions vary by item and period. The essential point is timing: anything of this kind is arranged while the period is still running.
Not necessarily. If the sale produced more than the debt and the costs, the balance is yours to claim, subject to the time limits that apply. Come in with identification and ask. Many people never do, which is precisely why it is written at the top of this page.
It is different. There is no monthly instalment and no pursuit of you for a shortfall in the ordinary case — the item answers for the debt. The cost is that you risk losing something you own, sometimes something you cannot replace. Pawn things you can live without, not things you cannot.
Ask them the five questions in Ticket 03, starting with whether they appear in the OJK register. An unusually large offer against an item is usually a signal about the terms attached to it, or about the business making it.
You can walk in, ask what an item would be assessed at and what redeeming would cost, and walk out again. There is no charge for asking and no obligation attached to it.