If you run a pawnshop, chances are you’ve wondered whether Google Ads are worth it or even allowed. Maybe you’ve heard horror stories about accounts getting suspended or ads being flagged. Maybe you’ve tried running ads before and hit a wall with Google’s policies. Or maybe you’ve never tried because you assumed, “Google probably hates pawnshops.”
I get it. It’s frustrating. But here’s the truth:
Google Ads can absolutely work for pawnshops if you know how to play by the rules. In fact, utilizing Ads for Pawnshops is one of the most effective ways to reach potential customers. Let’s talk about what you can’t do, what you can, and how to run effective ads without getting slapped by a policy violation.
Here’s the Problem: Google Doesn’t Love Pawn Loans
Pawn loans are a huge part of the business model. But Google has drawn a hard line on advertising anything that sounds like a high-interest, short-term loan.
Here’s why:
APR Restrictions
Google doesn’t allow ads for personal loans with an APR over 36 percent. Most pawn loans land well above that when you annualize the fees. Strike one.
Short Repayment Restrictions
Google also bans ads for loans that require full repayment within 60 days. Most pawn loans are 30-day renewable deals. Strike two.
This means even if your shop is upfront and honest, advertising those loans through Google Ads puts you on thin ice.
So what happens if you try anyway?
Google might disapprove the ad, ding your account, or in some cases, suspend your entire Google Ads account. Once you’re suspended, it’s a nightmare to get reinstated.
That’s the real pain point here. Many pawnshop owners just skip ads altogether because they think it’s not worth the risk.
But I’m here to tell you it is. You just have to reframe how you use them.
So What Can You Advertise?
The trick is focusing on what is allowed. And there’s good news here: Google has no issue with you advertising your buying and retail services.
Here’s what’s fair game:
Sell What You’ve Got
If you’ve got inventory like gold chains, guitars, PS5s, or power tools, Google Ads can help get eyes on it. Promote what you sell the same way any local retailer would. Build shopping campaigns or local campaigns that showcase your items and drive foot traffic.
Buy What People Don’t Want
You can also advertise that you buy items for cash. People search all the time for things like:
“Where to sell gold near me”
“Cash for electronics Colorado Springs”
“Pawnshops that buy tools”
That’s your sweet spot. Ads targeting those searches are totally legit and can bring in new sellers. And those sellers often turn into buyers too.
Pro Tip: Keep the Language Clean
Avoid using the word “loan” in your ads entirely. Even if you’re not trying to promote it, just saying something like “fast cash loan” could trip Google’s system. Stick to terms like:
“We buy gold”
“Top dollar for electronics”
“Massive savings on jewelry”
Play it safe, stay compliant, and Google will stay off your back.
What About Meta Ads or Facebook?
Good question.
Meta (Facebook and Instagram) ads are a little more relaxed. You can sometimes get away with a bit more flexibility around pawn loans, depending on how you phrase things. But don’t take that as permission to go wild. Meta also has ad policies, and violating them can get your account restricted.
That said, Meta is a great platform to:
– Promote flash sales
– Run local awareness campaigns
– Show off cool inventory with photos or video
It’s not a replacement for Google Ads, but it’s a solid supplement, especially for promoting the buying and selling side of your business.
Real Talk: Why Even Bother?
If you’ve made it this far, you might still be wondering, “Why should I run ads at all if I can’t promote loans?”
Because you’re more than just a lender.
Most modern pawnshops are hybrid businesses. You’re a retail store, an electronics buyer, a jewelry reseller. The average person doesn’t know that. With the right ads, you can show them.
And here’s the kicker. Most of your competitors aren’t advertising. That means less competition, lower costs, and a faster return on ad spend if you’re doing it right.
I’ve helped businesses in Colorado Springs and beyond tap into paid ads the right way. No fluff, no risk, just results.
Let’s Wrap It Up
Can Google Ads work for pawnshops?
Yes, just not for loans.
Shift your focus to what’s allowed:
– Sell your inventory
– Advertise your buying services
– Target the right local searches
– Keep your language clean
Do that, and not only will you avoid account suspension, you’ll also grow your customer base, generate more traffic, and build a real presence online.
Need help getting started? Let’s chat. I know the rules, and I know how to help pawnshops win without the headache.
FAQs: Google Ads and Pawnshops
Can pawnshops advertise loans on Google Ads?
No. Google prohibits advertising loans with an APR over 36 percent or repayment terms under 60 days. Most pawn loans fall into that category, which makes them ineligible.
What services can pawnshops advertise on Google?
You can advertise anything related to retail sales like jewelry, electronics, tools, and more. You can also run ads about buying items from the public, such as “We buy gold” or “Sell your electronics.”
Is it safe to mention “pawn” or “loan” in ad copy?
Avoid the word “loan.” It’s safer to skip it altogether. The word “pawn” is okay, especially when describing your shop or inventory, but context still matters.
Can I advertise pawn loans on Facebook or Instagram?
Meta is slightly more flexible, but still has ad policies. It’s best to focus on promoting the retail and buying side of your business there too.
Why would a pawnshop bother with ads if loans can’t be promoted?
Because people are still searching for what you sell and buy. Ads drive foot traffic, move inventory, and bring in new customers. You’re still a retail business, and Google Ads helps you compete locally and beyond.
