Skarbnytsia

Skarbnytsia (Ломбард «Скарбниця») is a Ukrainian pawnbroker chain that provides secured consumer credit against pledged valuables. According to its official website, the network describes itself as the first non-state pawnshop in Ukraine and claims 33 years of experience in the financial services market. It operates a large branch network — the company states it has 400 pawnshops in 104 Ukrainian cities and around 2,500 employees — and positions itself as a modern, technology-enabled lender rather than a traditional pawnshop. The core business is short-term secured lending. Customers pledge gold and platinum items, silver, diamonds and jewellery, expensive watches, antiques and art objects, as well as consumer and office electronics, audio and video equipment and mobile phones. The company also runs a dedicated "Promlombard" (industrial pawnshop) service covering industrial and household equipment, construction materials, and commercial and agricultural machinery. Loans are typically issued quickly — the site advertises credit "in 3 minutes" with only the pledged item and an identity document required — and can be disbursed in non-cash form to a bank card. Beyond lending, Skarbnytsia offers related services including free valuation of pledged items, safekeeping of valuables, currency exchange, and a retail shop selling electronics and essential goods at reduced prices, with delivery via Nova Poshta and self-pickup. It has developed remote services under the concept of a "pawnshop in your smartphone", allowing customers to select loan amounts and repay credit through a personal account, and it runs a "Mobile Pawnshop" service that brings cash to clients in Kyiv and Lviv. The brand also promotes loyalty features such as regular promotions and an individual bonus (cashback) programme, and emphasises insurance protection, security and confidentiality. The company presents a mission of providing high-quality financial services and contributing to Ukraine's development, and it highlights accessibility, including a published list of barrier-free branches for people with disabilities and other less mobile groups. Its stated ambition is to bring innovation to the traditionally conservative pawn-lending market, describing itself as "the pawnshop of the future". The website lists several operating legal entities, including TOV "LOMBARD "YE HROSHI" (EDRPOU code 45098177, registered in Kyiv) and PT ZT "SKARBNYTSIA", reflecting a structure of multiple licensed pawnshop companies trading under the Skarbnytsia brand.

Skarbnytsia presents itself as the first non-state pawnshop in Ukraine, with a history it dates back roughly three decades. On its official "About" page the company states it has 33 years of experience in the financial services market, describing itself as "the first non-state pawnshop with 33 years of experience". This places its origins in the early period of Ukraine's independence, when private pawnbroking began to emerge alongside the country's transition to a market economy. Over the following decades the business grew from a single or small operation into a nationwide network. By the time of its current self-description, the chain reports 400 pawnshops across 104 Ukrainian cities and a workforce of about 2,500 people. It also operates its own training centre for preparing specialists, which supports the staffing needs of a large branch network. The company has progressively modernised its offer. While the traditional pawnshop model centres on lending against gold and silver, Skarbnytsia expanded its accepted collateral to include diamonds and jewellery, expensive watches, antiques and art objects, and consumer and office electronics. It created a specialised "Promlombard" line for industrial and household equipment, construction materials, and commercial and agricultural machinery, extending pawn lending to business assets. A significant strategic direction has been digitalisation and service innovation. Skarbnytsia promotes remote services under the banner of a "pawnshop in your smartphone", enabling customers to select loan amounts and repay credit through a personal account, and it offers non-cash disbursement to a bank card. It introduced a "Mobile Pawnshop" service that delivers cash to clients in Kyiv and Lviv, and it runs a retail shop selling electronics and essential goods at reduced prices with delivery through Nova Poshta and self-pickup. The brand also offers currency exchange and safekeeping of valuables, and it markets insurance protection, security and confidentiality as core advantages. In recent years the company has emphasised accessibility and social responsibility, publishing a list of barrier-free branches for people with disabilities and other less mobile groups. Its stated mission is to provide the best financial services and contribute to Ukraine's development, and it frames itself as bringing innovation to the traditionally conservative pawn-lending market — "the pawnshop of the future". The brand operates through multiple licensed legal entities. Its website lists, among others, TOV "LOMBARD "YE HROSHI" (EDRPOU code 45098177, registered at 8 Smilyanska Street, Kyiv, 03151), with a pawnshop activity licence reissued and recorded in the State Register of Financial Institutions on 20 February 2024, and PT ZT "SKARBNYTSIA". This multi-entity structure is common in Ukrainian pawnbroking, where each licensed company can operate branches under a shared brand.

• Company states it has 33 years of experience in the financial services market, dating its origins to the early years of independent Ukraine.

• Expansion into a nationwide network reported at 400 pawnshops in 104 Ukrainian cities with about 2,500 employees.

• Launch of the "Promlombard" service for industrial, construction and agricultural equipment lending.

• Introduction of remote "pawnshop in your smartphone" services and non-cash disbursement to bank cards.

• "Mobile Pawnshop" cash delivery service launched in Kyiv and Lviv.

• Pawnshop activity licence of TOV "LOMBARD "YE HROSHI" reissued and recorded in the State Register of Financial Institutions on 20 February 2024.

A modern, technology-enabled Ukrainian pawnshop chain positioning itself as "the pawnshop of the future", combining traditional secured lending with remote services, retail and accessibility initiatives.

• Credit secured by gold and platinum

  Loans issued against gold and platinum items, advertised as available in about 3 minutes with only the pledged item and an identity document.

• Credit secured by silver

  Valuation and lending against silver items.

• Credit secured by electronics

  Loans against office and household appliances, audio and video equipment, and mobile phones.

• Credit secured by diamonds

  Valuation and lending against diamonds and jewellery.

• Credit secured by watches

  Loans against watches from leading global manufacturers.

• Credit secured by antiques

  Valuation and lending against antiques and art objects.

• Promlombard

  Pawn lending against industrial and household equipment, construction materials, and commercial and agricultural equipment.

• Currency exchange

  Currency exchange with competitive rates and fast service.

• Valuables safekeeping

  Storage service for customers' valuables.

• Retail shop

  Sale of electronics and essential goods at reduced prices, with Nova Poshta delivery and self-pickup.

1. 1Ломбард «Скарбниця»: кредит під заставу золота, срібла, техніки та антикваріатуskarb.com.ua
2. 2Про ломбард «Скарбниця».skarb.com.ua
3. 3Послуги ломбарду [Скарбниця]skarb.com.ua
4. 4Skarbnytsiawikidata.org