A Saint-Étienne branch of the Lyon network
Saint-Étienne has no autonomous Crédit Municipal institution. The service is provided by a branch of the Crédit Municipal de Lyon, a public establishment governed by articles L514-1 onwards of the Code monétaire et financier, which the service-public directory lists.
Avenue Augustin Dupré, Îlot Tarentaise
The address is 17 avenue Augustin Dupré, Îlot Tarentaise, 42000 Saint-Étienne; the switchboard answers on 04 77 25 90 99. The hours noted on 9 October 2026 run Monday to Friday, from 8.30am to 12.25pm and from 1.30pm to 4.30pm.
No deposit in Saint-Étienne without an appointment
The Lyon institution requires an appointment, booked online, as well as proof of identity and address. A local resident who turns up unannounced with a piece of jewellery may therefore not be seen. The sales calendar appears on the same platform.
The price of gold at the Crédit Municipal de Lyon
The rate communicated by the institution, noted on 9 October 2026, is €45 per gram for 750 fineness gold, in all branches. Our page on pawn loans on gold explains the role of weight and fineness.
An advance of 50 to 70% of the valuation
The institution's brochure advertises a loan representing between 50 and 70% of the estimated value on the public auction market. For items other than precious metals, article D514-8 sets a legal ceiling of two-thirds of the valuation.
Free appraisal and a majority of gold jewellery
The appraisal costs nothing. According to the institution, around 80% of pledges deposited are jewellery, coins and gold items; next come luxury watches, bronzes, sculptures, paintings, musical instruments, leather goods and antique books.
Electronics and vehicles: enquire at Îlot Tarentaise
The Lyon list mentions neither vehicles, nor telephones, nor computers. Before bringing this type of item to avenue Augustin Dupré, ask the branch, since the valuation is based on the item's value at public auction.
Renewal and the two-year limit in the Loire
The Lyon contract is renewable; the brochure gives neither its term nor its rate. Article D514-7 sets the limit at two years, extensions included, and requires a fresh valuation for each renewal requested.
When a Saint-Étienne pledge is auctioned
Without repayment, the pledge is sold at public auction. The institution specifies that "if the sale exceeds the amount owed, the difference goes to the owner". For the full process, see our page on the auction of a pledge in France.
Six locations, from the Loire to Haute-Savoie
Besides Saint-Étienne, the Crédit Municipal de Lyon receives customers in Lyon, Grenoble, Mâcon, Clermont-Ferrand and Annecy, with a new branch at 98 avenue de France. Residents closer to Isère can consult our page on the Grenoble Mont-de-Piété.
The head office on rue Duguesclin
The Lyon establishment is located at 221 rue Duguesclin, 69003 Lyon, tel. 04 72 60 63 63, and opens from 8.30am to 4.45pm on weekdays. Its services are detailed on our page devoted to pawn loans in Lyon.
Public pledge or gold sale in a Saint-Étienne shop
In the Loire, as everywhere in France, pawn lending against movable goods is a monopoly of the Crédit Municipal institutions, under article L514-1. A shop that buys gold pays for the metal without ever returning it: the transaction is a sale.
Contacts for a pledge in Saint-Étienne
- Crédit Municipal de Lyon, agence de Saint-Étienne: Counter at 17 avenue Augustin Dupré, Îlot Tarentaise, receiving customers on weekdays by appointment only.
- Crédit Municipal de Lyon: Public parent institution, which sets the gold rate and publishes its sales calendar.
- Annuaire de l’administration: The service-public directory has an entry for the Crédit municipal de Saint-Étienne among the establishments of Auvergne-Rhône-Alpes.
Steps for a pawn loan on avenue Augustin Dupré
- Book an appointment online with the Crédit Municipal de Lyon, selecting the Saint-Étienne branch.
- Bring an identity document, proof of address and the item's documents, such as a watch invoice or a certificate.
- Attend the free appraisal, based on the item's value on the public auction market.
- Accept an advance of between 50 and 70% of the valuation, then check the rate and due date before signing.
- Repay on the due date or request a renewal, with a fresh valuation, without exceeding two years in total.
- If a sale takes place, consult the online calendar and claim the difference if the price exceeds the debt.
Rates applied at the Saint-Étienne branch
| Item | Institution practice | Source and date |
|---|---|---|
| 750 fineness gold | €45 per gram | Crédit Municipal de Lyon website, 9 October 2026 |
| Share of value lent | 50 to 70% of the valuation | The institution's pawn loan brochure |
| Cost of appraisal | None | The institution's pawn loan brochure |
| Interest rate | According to the institution's scale | Not published in the brochure |
| Difference after sale | Goes to the owner | The institution's pawn loan brochure |
File to bring to Îlot Tarentaise
- Appointment booked online
- Valid identity document
- Proof of address
- Invoice or certificate for the item, if you have one
Frequent mistakes in Saint-Étienne
- Coming to avenue Augustin Dupré without an appointment: the Lyon institution requires one in all its branches, and you may be turned away.
- Regarding the €45 per gram rate as final: it dates from 9 October 2026 and may change with the gold price.
- Hoping for a loan on a telephone or computer: the Saint-Étienne list covers gold, watches, art, instruments and antique books.
- Not noting the due date even though the brochure publishes none: the signed contract is the only reference for avoiding a sale.
- Selling your gold to a shop believing you are pawning it: only the Crédit Municipal returns the item on repayment.
The Saint-Étienne Mont-de-Piété: your questions
Where is the Crédit Municipal de Saint-Étienne?
At 17 avenue Augustin Dupré, Îlot Tarentaise, 42000 Saint-Étienne, tel. 04 77 25 90 99. It is a branch of the Crédit Municipal de Lyon, open Monday to Friday from 8.30am to 12.25pm and from 1.30pm to 4.30pm, as noted on 9 October 2026.
Do you need an appointment at the Crédit Municipal de Saint-Étienne?
Yes. The Crédit Municipal de Lyon states that an appointment, proof of address and an identity document are compulsory. Booking is done online before you turn up with the item.
How much does the Saint-Étienne branch lend on jewellery?
The institution advertises a loan of 50 to 70% of the estimated auction value. For gold, its rate was €45 per gram of 750 fineness gold on 9 October 2026, in all its branches.
Who handles the sales of pledges deposited in Saint-Étienne?
The Crédit Municipal de Lyon, to which the branch belongs, organises the public auctions and publishes their calendar online. If the hammer price exceeds the amount owed, the difference goes to the owner of the item.
Official sources
Crédit Municipal de Lyon – plaquette prêt sur gagecredit-municipal-lyon.fr
Service-public – le prêt sur gageservice-public.gouv.fr
General information, up to date as of October 2026 and non-contractual: always check the terms with the Crédit Municipal or the institution concerned.