Rock Hill, SC Business Licensing & Operations: Pawnbrokers (2026)
Key Facts
- Loan cap
- $2,000.00 per transaction, § 11-147(c)
- Interest
- tiered, $2.50 to $0.50 per $10 per 30 days
- Sign required
- at shop entrance, § 11-141
- Minors
- written parental consent required, § 11-142
- Records
- kept open to law enforcement, § 11-146
Summary
Pawnbrokers in Rock Hill, South Carolina must post a licensed-shop sign at the shop entrance under City Code § 11-141 and cannot lend more than $2,000.00 on a single pawn transaction under § 11-147(c). The city caps interest by loan tier and requires detailed loan records under § 11-144.
Sec. 11-141. Identification sign at entrance to shop. Every person holding a pawnbroker's license shall put on or over the principal entrance to his shop a sign stating that such shop is licensed and containing the name of the owner or proprietor of such business. ... Sec. 11-147. Charges on loans. (c)No pawnbroker may make a loan in excess of $2,000.00.
Full Breakdown
Section 11-141 requires every pawnbroker to display a sign stating the shop is licensed and naming the owner or proprietor, put on or over the principal entrance. Section 11-142 bars taking property in pawn from a minor without the written permission of a parent or guardian, which must be kept on file and produced on inspection. Section 11-144 requires a record of every loan showing the goods pawned, the amount loaned, the date, the interest charged, and the pledgor's name and address, and § 11-145 requires a signed memorandum given to the customer at no charge.
00. Rates must be posted under a state-prescribed schedule. Section 11-146 requires pawnbroker books to stay open to court officials and law enforcement, while keeping any loan record that identifies an individual confidential. Section 11-143 bars charging any fee not specifically allowed by the article, and § 11-148 requires a pawnbroker to check ownership before accepting an item and to return any item to a verified third-party owner on demand, at no charge.
Violations & Fines
Failing to post the required sign, taking pawned goods from a minor without parental consent, charging an unauthorized fee, or exceeding the $2,000.00 loan cap or the tiered interest limits under § 11-147 are violations of Article IV, Division 2. A pawnbroker who accepts stolen or third-party-owned goods without checking ownership under § 11-148 is subject to sanctions under the code.
Frequently Asked Questions
What is the maximum pawn loan in Rock Hill?
Can a pawnshop take items from a minor in Rock Hill?
What records must a Rock Hill pawnbroker keep?
Sources & Official References
Other rules in Rock Hill
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