The store also offers expert pawnbroking support, with guidance on pawning jewellery, watches and handbags, and clear explanations of the process and repayment options. H&T is authorised and regulated by the FCA (FRN 677994) for Consumer Credit and is a member of the National Pawnbrokers Association and Consumer Credit Trade Association. Representative 165.5% APR. Pawnbroking loans are secured on your items. If the loan is not repaid, the item will be sold to pay the debt.