The Nantes head office and switchboard
The Crédit Municipal de Nantes has its head office at 2 rue Marcel-Paul, BP 90625, 44006 Nantes Cedex 1. The number published on its tariff page is 02 40 99 21 00, useful when preparing a deposit or a redemption.
Five branches, from the Loire to Normandy
The Nantes office lists five branches: Nantes, Tours, Angers, Rennes and Rouen. Their exact addresses have not been verified here; for these cities, see also the Angers Mont-de-Piété or the Rennes Mont-de-Piété, which set out their conditions.
€42 per gram of 18-carat gold
When we consulted it on 9 October 2026, the pawn loans page showed a loan of €42 per gram of 18-carat gold. The date this amount came into effect is not given: it may change with the price of the metal.
What you can deposit in Nantes
The current page lists gold jewellery, watches and clocks, silverware, works of art and collectors' items. For any other item, it is best to call the office before travelling, as each institution sets its own list.
Valuation under the authority of auctioneers
Items are valued on the spot by experts working under the authority of auctioneers (commissaires-priseurs). Their general method is described in the guide to valuing a pledged item, which recalls the legal ceilings in article D514-8.
Interest pro rata to months begun
In Nantes, interest is calculated pro rata to the months begun. No rate figure appears on the pages consulted, including the tariff page: ask for the written scale at the branch before signing.
Extending by six months with interest and fixed fees
A six-month extension is obtained by paying the interest due and fixed fees. The capital remains owed and the item stays on deposit, which lets you defer repayment without losing ownership of the pledge.
After two years, a compulsory revaluation
Once two years of extensions have passed, renewal is still possible, but with a compulsory new valuation. The amount lent may then fall, in line with the two-year limit per contract set by article D514-7 of the Code monétaire et financier.
Redeeming your item: give two days' notice
To recover a pledge in Nantes, you must book an appointment at least two days in advance. Turning up at the counter without notice will not let you leave straight away with the item, even if you pay all the sums due.
If the customer stays silent, the sale
If the borrower does not come forward, the item is sold. Any positive balance is paid to them as a surplus (boni); if the balance is negative, the office states that nothing will be owed to the Crédit Municipal de Nantes.
Classic cars: a Nantes speciality
The joint website of the Crédit Municipal institutions presents vehicle pledges as exclusive to Nantes and Dijon. The terms of this offer are covered in the guide to pawning a car, which is distinct from the non-possessory pledge.
Public monopoly and private lenders
Like every Crédit Municipal, the Nantes office enjoys the monopoly on loans against tangible pledges laid down by article L514-1. A private shop that buys gold does not lend: it acquires the item outright.
Reference institutions in western France
- Crédit Municipal de Nantes: Public pawnbroking institution headquartered on rue Marcel-Paul, with branches in Tours, Angers, Rennes and Rouen.
- Service-public.gouv.fr (fiche F1354): Government information sheet setting out the documents required and what happens to the item if the loan is not repaid.
Stages of a pawn loan in Nantes
- Call the office or nearest branch to confirm that the item falls within the accepted categories.
- Attend with the item, photo identification, proof of address under three months old and, if possible, the invoice.
- Let the expert value the pledge on the spot; for 18-carat gold, the loan is calculated per gram.
- Sign the contract, receive the funds and keep the pawn ticket.
- Extend in six-month periods by paying interest and fixed fees, or repay to recover the item.
- For redemption, book an appointment at least two days before coming to collect the pledge.
What the Nantes office publishes on cost
| Item | Nantes practice | Detail |
|---|---|---|
| 18-carat gold | €42 lent per gram | Figure shown on 09/10/2026 |
| Interest calculation | Pro rata to months begun | Pawn loans page |
| Rate and APR | According to the office's scale | No figures on the pages consulted |
| 6-month extension | Interest and fixed fees | Fee amount not published |
| Sale at a loss | Nothing to pay | According to the pawn loans page |
Supporting documents requested in Nantes
- Photo identification
- Proof of address dated within the last 3 months
- Purchase invoice for the item, wherever possible
- Pawn ticket to extend or redeem
- Appointment confirmation for any collection of an item
Pitfalls of pawn loans in Nantes
- Coming to collect your item without notice: the Nantes office requires an appointment at least two days before redemption.
- Treating the €42 per gram as a fixed sum: it applies to 18-carat gold and may change with the market price.
- Repaying just after a new contract month has begun: interest runs pro rata to the months begun.
- Believing that renewal after two years keeps the same amount: the new valuation may reduce it.
- Selling your gold to a private counter thinking you are getting a loan: the item is then given up for good.
The Nantes Mont-de-Piété: useful answers
Where is the Crédit Municipal de Nantes?
The head office is at 2 rue Marcel-Paul, BP 90625, 44006 Nantes Cedex 1, and can be reached on 02 40 99 21 00. The office also lists branches in Tours, Angers, Rennes and Rouen, whose addresses should be confirmed with it.
How much does the Crédit Municipal de Nantes lend on gold?
On 9 October 2026, the office was showing a loan of €42 per gram of 18-carat gold. The office does not date this amount and it depends on the market; check it on the day of deposit.
What paperwork do I need for a pawn loan in Nantes?
Photo identification, proof of address under three months old and, if possible, the item's purchase invoice. For redemption, an appointment booked at least two days in advance is compulsory.
What happens if I do not repay in Nantes?
If you make no contact, the item is sold. Any surplus is paid to you as a boni; if the price does not cover the debt, the office states that you will owe it nothing.
General information, up to date as of October 2026 and non-contractual: always check the terms with the Crédit Municipal or the institution concerned.