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Gaston County, NC Business Licensing & Operations: Pawnbrokers (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

License required
Outside city limits only, § 10-123
Application fee
$50.00
Interest cap
2% per month
Bond required
$5,000.00 payable to the county
Minimum contract term
30 days
Resale hold
48 hours after the transaction

Summary

Gaston County requires a license to run a pawnshop outside the limits of any city, under Code of Ordinances § 10-123. The $50.00 application undergoes a felony background check, and licensed pawnbrokers post a $5,000.00 bond, cap interest at 2 percent a month, and follow detailed record-keeping rules.

These county ordinances apply to unincorporated areas of Gaston County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

It is unlawful for any person, firm, or corporation to establish or conduct a business of pawnbroker unless such person, firm, or corporation has procured a license to conduct business in compliance with the requirements of this article.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 58 | Unified Development Ordinance: Supplement 3).

Full Breakdown

Article V of Chapter 10 of the Gaston County Code of Ordinances licenses pawnbrokers operating outside a municipality's corporate limits; pawnshops inside Gastonia, Belmont, or the county's other towns are licensed by those cities instead (§ 10-124(c)). Section 10-123 makes it unlawful to establish or conduct a pawnbroker business without a county license. 00 processing fee, must show good moral character, and must not have a felony conviction within the last ten years, backed by an affidavit and a certificate from the police chief, sheriff, or the State Bureau of Investigation (§ 10-124).

Every pawn transaction must be recorded on a numbered ticket showing the pledgor's name, address, phone number, date of birth, and a description of the property and identification presented, and the record stays open to inspection by the chief of police during regular business hours (§ 10-125). 00 thereafter (§ 10-126). A pawn contract runs at least 30 days, and unredeemed goods become sellable once 60 days pass the maturity date with no further notice required (§ 10-127). Pawnbrokers may not accept a pledge from anyone under 18, may not take goods known to be stolen, must hold goods at least 48 hours before resale, may run only one shop per license, and may not take a mobile home, RV, or motor vehicle other than a motorcycle as security (§ 10-128). 00 bond payable to the county (§ 10-130).

Violations & Fines

Knowingly violating the article is a misdemeanor under § 10-129, punishable by up to $500.00 in fines and up to six months' imprisonment, and the court can suspend the shop's license if an owner or manager knowingly committed the violation. A pawn contract made in violation of the article is void, and the pawnbroker forfeits any interest or fee on it (§ 10-129(c)).

Frequently Asked Questions

Does Gaston County license pawnshops inside Gastonia or Belmont?
No. Section 10-124(c) limits county licenses to pawnshops operated outside the corporate limits of any city. A shop inside Gastonia, Belmont, Mount Holly, or another incorporated town needs that city's own pawnbroker license instead.
What's the maximum interest a Gaston County pawnbroker can charge?
Two percent per month, plus permitted service fees for things like appraisal, storage, and insuring the security, under § 10-126. Combined monthly fees cannot exceed 20 percent of the loan principal, capped at $100.00 the first month and declining to $50.00 by the fourth month.
Can a pawnbroker sell my item right after the due date?
No. Section 10-127 requires 60 days to pass after the contract's maturity date, with no payment made, before the pawnbroker can sell or dispose of the property, and the pawn ticket itself serves as the required notice of that sale.
What background check does a pawnbroker applicant face?
The applicant must submit an affidavit that they have not been convicted of a felony within the past ten years, backed by a certificate from the police chief, county sheriff, or the State Bureau of Investigation confirming that, under § 10-124(a)-(b).

Sources & Official References

Other rules in Gaston County

All Gaston County rules

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