Pawnbrokers: Auburn vs Seattle
How do pawnbrokers rules compare between Auburn, WA and Seattle, WA?
Auburn and Seattle have similar restriction levels.
Auburn, WA
King County
Pawnbrokers in King County need a state-recognized local license under RCW 19.60.045, must report transactions to police, observe interest rate and fee caps, and hold pledged items at least 90 days before forfeiture.
View full Auburn rules →Seattle, WA
King County
Pawnbrokers in Seattle operate under WA RCW 19.60, capping monthly interest at three percent plus a small fee, requiring 90-day loan terms, daily SPD reporting, and a 30-day police hold on pawned goods before forfeiture and sale.
View full Seattle rules →Key Facts Comparison
| Fact | Auburn | Seattle |
|---|---|---|
| State law | RCW 19.60.045 | - |
| Interest cap | 3% per month | 3 percent monthly |
| Hold period | 90 days minimum | - |
| Reporting | Daily to police | Daily to SPD |
| Statute | - | RCW 19.60 |
| Loan term | - | 90 days minimum |
| Police hold | - | 30 days post-forfeit |
Highlighted rows indicate differences between cities.
Auburn FAQ
How long does a pawnbroker have to hold pledged items?
At least 90 days from the loan due date under RCW 19.60.061 before forfeiture, with required notice to the pledgor before the property can be sold.
What is the maximum interest rate?
Three percent per month on the loan amount under RCW 19.60.060, with limited additional fees for preparation, storage, and insurance defined by statute.
Seattle FAQ
How much interest can a pawnbroker charge?
Up to 3% per month on the principal plus a one-time preparation fee, both regulated under RCW 19.60.060. Effective annualized cost is roughly 36% plus fees.
What if I miss my redemption date?
The pawnbroker may declare the item forfeited after the 90-day loan term and any contractual grace period, then must hold it 30 more days under SPD review before resale.
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