Gaston County, NC Business Licensing & Operations: Pawnbrokers (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.
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.
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?
What's the maximum interest a Gaston County pawnbroker can charge?
Can a pawnbroker sell my item right after the due date?
What background check does a pawnbroker applicant face?
Sources & Official References
Other rules in Gaston County
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