Collateral Loans NYC · Diamond District
Get a Loan on Your
Jewelry, Watches
& Gold
Need cash but don’t want to sell? Borrow against your valuables at just 2% monthly interest — no credit check, no hassle. Keep your item, get your cash, pay it back on your terms.
Collateral Accepted
What We Lend Against
We accept a wide range of high-value items as collateral. Each is evaluated on the spot by our certified appraisers — you get a loan based on real market value, not a lowball number.
How It Works
Get Your Loan in 4 Steps
No paperwork, no credit check, no waiting. Walk in and walk out with cash — most loans completed in under 15 minutes.
Bring Your Item
Walk in to 30 W. 47th St., Suite 8006 — Mon through Fri, 10am–6pm. Bring a valid photo ID. No appointment needed for most items.
Free Evaluation
Our certified appraisers evaluate your item on the spot. Gold tested by purity and weight. Diamonds graded by a GIA-trained gemologist. Watches valued at secondary market rates.
Get Your Loan Offer
We make a firm loan offer based on real market value. You see exactly how the amount was calculated. No arbitrary lowball numbers.
Walk Out with Cash
Accept the terms and walk out with cash in hand. Your item stored securely in our Diamond District vault. Repay anytime within 6 months — no penalties.
Loan Terms
Flexible Terms.
No Surprises.
We offer some of the most competitive collateral loan rates in New York City — just 2% monthly interest with no hidden fees and no prepayment penalties.
| Term | Detail |
|---|---|
| Interest Rate | 2% per month |
| Loan Term | 6 months, flexible |
| Minimum Loan | $100 |
| Maximum Loan | Up to $1,000,000 |
| Prepayment Penalty | None — pay anytime |
| Credit Check | Not required |
| Repayment | Monthly installments or lump sum |
| Item Storage | Secure, insured Diamond District vault |
You can repay at any time during the 6-month term with no penalty. Monthly installments are easiest — ask your account manager to set them up.
Loan vs. Selling
Why Get a Loan Instead of Selling?
Sometimes you need cash but you’re not ready to part with your valuables permanently. Here’s when a loan makes more sense than a sale.
Your Item May Increase in Value
Gold, diamonds, and luxury watches appreciate over time. A loan lets you access cash now while keeping your asset for future value.
Sentimental Value
Inherited or meaningful pieces deserve to stay in the family. A loan gives you cash while preserving items with personal significance.
Temporary Cash Need
Between jobs, covering an unexpected expense, bridging to a bonus — a loan is smarter than selling permanently. Pay it back when ready.
Fast — No Credit Check
Banks take weeks and require credit checks. Our loans are same-day, secured only by your item. No financial history required.
Market Timing
If values are temporarily soft, a loan lets you access cash while waiting for better selling conditions. You keep the option.
Win-Win
You get cash when you need it. You repay with low interest. You get your item back. No permanent loss, no regret.
Borrow More
We Lend Up to $1,000,000 — No Item Too Large
Whether you have a single gold chain or an entire estate collection, we have the resources to make significant loan offers. We lend against fine jewelry, antique pieces, prestige watches, diamonds, gold and silver bullion, and other high-value assets.
For large loans or estate situations, call ahead at 212-642-4345 so a senior appraiser is available when you arrive. We can also arrange secure courier service for items that can’t be brought in easily.
Call for a Large Loan →
Manhattan Neighborhoods
Pawn Shop NYC — Serving All of Manhattan
One location in the Diamond District. Short subway ride from anywhere in Manhattan. Click your neighborhood for directions and what to bring.
FAQ
Common Questions About Jewelry Loans
Get a Loan on Your Jewelry Today.
Free evaluation, no credit check, cash same day.
30 W. 47th St., Suite 8006 · Mon–Fri 10am–6pm