Pawn loans for Le Havre residents: looking to Rouen

No verified official branch in Le Havre

The City of Rouen's page on the Crédit municipal mentions no presence in Le Havre. Some directories give an address in Le Havre, but no institution confirms it: we therefore do not publish it for as long as it cannot be verified.

Le Havre missing from the national list of outlets

The joint website of the Crédit Municipal institutions, presented by service-public as the list of institutions, records 45 outlets. Our count on 9 October 2026 found Rouen there but not Le Havre: a Le Havre resident should therefore plan to travel.

The Rouen institution, present since 1826

The Caisse de Crédit Municipal de Rouen says it has been present in Rouen "since 1826". It receives customers at 12 place Jacques-Lelieur, 76000 Rouen, tel. 02 35 15 76 33, Monday to Friday from 9.30am to 12.30pm and from 1.30pm to 5pm.

A probable link to the Nantes network

Rouen's municipal page points to the website of the Crédit Municipal de Nantes, whose pawn loan page lists Rouen among its branches. The date of this attachment has not been verified. See our page on pawn loans in Nantes.

A six-month personal contract in Rouen

The Rouen contract is issued in the borrower's name and concluded for six months. It can be extended by six months by paying interest and fixed fees, up to two extensions within a two-year limit. Our page on the term of a pawn loan details the legal framework.

Beyond two years: a fresh appraisal

Once the limit is reached, the Rouen institution offers a renewal subject to a new appraisal of the item. Article D514-7 of the Code monétaire et financier provides that a lower value then requires the borrower to repay the excess capital.

Rouen interest charged per month started

Each month begun is charged as a full month. The annual rate does not appear on the municipal page: you need to read it on the contract or ask for it at the place Jacques-Lelieur counter, together with the amount of the fixed fees.

Items accepted by the Rouen institution

The institution accepts jewellery, silverware, watches, collectors' coins, paintings, musical instruments and art objects as pledges, valued by auctioneer-appraisers (commissaires-priseurs appréciateurs). A vehicle or a property does not appear on this Rouen list.

A proof of address less than two months old

A point for Le Havre residents to watch: Rouen requires proof of address less than two months old, not three as at many institutions. A valid identity document completes the file, to be presented in original at the Rouen counter.

Collecting your item in Rouen by appointment

Repayment and collection of the pledge are by appointment. For someone living in Le Havre, it is best to book this slot before setting off for Rouen, to avoid a second journey if the item has not been prepared.

Sale after the legal period and the fate of the surplus

Without repayment or extension, the pledge is sold at auction after what the institution calls the "legal period of 3 months". If the price exceeds the debt, the surplus is returned; if the balance is negative, the borrower owes nothing.

Public audit and other Normandy reference points

The Cour des comptes has published an audit entitled "Caisse de crédit municipal de Rouen (Seine-Maritime)", of which we have read only the title. For the rules common to all institutions, see our page on the Mont-de-Piété in France.

Institutions to know about from Le Havre

• Caisse de Crédit Municipal de Rouen: Nearest verified establishment, at 12 place Jacques-Lelieur in Rouen, present in the city since 1826.
• Crédit Municipal de Nantes: Network that lists Rouen among its branches and now appears to manage it, an attachment still to be confirmed.
• Cour des comptes: Financial court that has published an audit of the Crédit Municipal institution in Rouen.

Arranging a pawn loan from Le Havre

1. Telephone the Rouen institution to confirm opening hours, current terms and any attachment to the Crédit Municipal de Nantes.
2. Prepare an identity document and proof of address less than two months old, plus any useful invoices or certificates.
3. Go to place Jacques-Lelieur with the item, which will be valued by an auctioneer-appraiser before any offer is made.
4. Sign the six-month personal contract and note the due date as well as the amount of the fixed fees.
5. On the due date, extend by paying interest and fixed fees, or repay after booking an appointment for collection.
6. If the item is sold, contact the Rouen institution to receive any surplus due.

Pledge costs for a Le Havre borrower

Documents requested in Rouen

• Valid identity document
• Proof of address less than two months old
• Personal contract issued at deposit, for collection
• Sum owed and a confirmed appointment at redemption

Mistakes to avoid if you live in Le Havre

• Relying on a Le Havre address found in a directory: no official source confirms a branch in Le Havre, and the trip could be wasted.
• Bringing a proof of address that is two and a half months old: Rouen requires a document less than two months old, stricter than other institutions.
• Setting off for Rouen to collect your item without an appointment: collection is by booking only, and a journey from Le Havre would be lost.
• Forgetting the fixed fees in your budget: an extension is not limited to interest, and the amount of these fees appears on the contract.
• Confusing a Le Havre gold buyer with a Crédit Municipal: only the latter can lend against a pledge and return the item after repayment.

General information, up to date as of October 2026 and non-contractual: always check the terms with the Crédit Municipal or the institution concerned.