Pawn loans in Reims: the institution on rue Henri Jadart

An independent institution in Reims

Reims has its own institution, the Crédit Municipal de Reims, at 5 rue Henri Jadart, 51100 Reims, telephone 03 26 86 76 10. Its website mentions no other branch: all transactions go through this single counter.

Opening hours on rue Henri Jadart

The institution receives customers Monday to Friday, from 9.30am to 12 noon and from 1.30pm to 5pm, according to its website consulted on 9 October 2026. A contact email address also appears on its home page, to help prepare a visit.

Six-month Reims contract and renewal

Each loan is granted for six months. On the due date, it can be renewed by paying only the interest, and the amount lent may be adjusted. The law caps the whole arrangement at two years; see our page on the renewal of a pawn loan.

The fixed fee of 1% per half-year

On top of the interest comes a "fixed fee including insurance, equal to 1% of the amount borrowed", calculated per half-year. For €1,000 borrowed, this fee therefore amounts to €10 per six-month period, excluding interest.

Rates displayed at the Reims branch

Annual rates "vary according to the amount borrowed", but the institution does not publish them online: they are displayed at the branch. Article D514-8-1 in fact requires institutions to display their fees and APR at reception.

Wines and spirits accepted in Champagne

As a notable feature, the institution accepts wines and spirits, kept in a secure cellar. It also takes jewellery, silverware, art objects and collectors' items. For the rules specific to bottles, see our page on pawn loans on wine.

Audiovisual equipment: strict conditions

Audiovisual equipment is accepted if it is recent, accompanied by an invoice less than three months old and its user manual, with personal data erased. An older device or one without an invoice is therefore likely to be refused at the Reims counter.

Jewellery without a French hallmark: marking tax

A marking tax applies to jewellery without a French hallmark. For a piece bought abroad, allow for this extra cost, the amount of which is not published online, and enquire with the Reims institution before the appraisal.

Choosing to sell after three months

The depositor may request the sale of their item after a minimum of three months from deposit. Without action within six months, the item goes to auction. Preparation fees apply to transactions carried out in the ten days preceding a sale.

Sales at the Hôtel des Ventes de la Porte Mars

The next sales are set for 23 October and 11 December 2026, from 2pm, at the Hôtel des Ventes de la Porte Mars, 25 rue du Temple, conducted by Maîtres Collet and Luneau. See also our page on Crédit Municipal auctions.

A Reims sale held by description

For security reasons, lots are not displayed before the sale, which is held solely "by description" (sur désignation): buyers bid on the basis of a written description. If the price exceeds the sum owed, the former owner receives the surplus.

Reims among the institutions of the Grand Est

The national list of 45 outlets also includes, in the east, Nancy, Strasbourg, Mulhouse and Belfort. For comparison, see our page on pawn loans in Strasbourg or our summary of the Mont-de-Piété in France.

Reference institutions in Reims

• Crédit Municipal de Reims: Local institution at 5 rue Henri Jadart, with no other branch, which announces its upcoming sales on its website.
• Hôtel des Ventes de la Porte Mars: Saleroom at 25 rue du Temple where the Crédit Municipal de Reims sales are held, conducted by Maîtres Collet and Luneau.

Taking out a pawn loan at the Crédit Municipal de Reims

1. Check that the item is on the Reims list: jewellery, silverware, art, collectors' items, recent audiovisual equipment, wines or spirits.
2. Gather an identity document, proof of address less than three months old and invoices or certificates for branded items.
3. Go to rue Henri Jadart during opening hours for the appraisal, allowing for the marking tax if the jewellery has no French hallmark.
4. Sign the six-month contract, noting the rate displayed at the branch and the fixed fee of 1% per half-year.
5. On the due date, repay, renew by paying the interest, or request a sale if three months have passed since deposit.
6. Avoid transactions in the ten days before a sale, which incur preparation fees.

Fees published by the Reims institution

Documents to provide on rue Henri Jadart

• Identity document, residence permit or passport
• Proof of address less than three months old
• Invoices or certificates for branded items
• For audiovisual equipment: invoice less than three months old and user manual
• Device wiped of all personal data

Common pitfalls at the Crédit Municipal de Reims

• Leaving the fixed fee of 1% per half-year out of your calculation: it is added to the interest and includes insurance of the deposited item.
• Coming to repay or renew a few days before a sale: in the ten days preceding it, preparation fees apply.
• Bringing a television or device without a recent invoice or user manual: audiovisual equipment is only accepted in Reims under strict conditions.
• Doing nothing for six months: without renewal or repayment, the item is sold at auction at the Hôtel des Ventes de la Porte Mars.
• Expecting to view the lots before bidding: the sale is held by description, without prior display, for security reasons.

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