Fine Art Pawnbrokers

Release funds from your Fine Art collection online

Fine Art Pawnbrokers

Valuing fine art is difficult and requires deep subject matter expertise and knowledge, which is why we use experienced specialists that will offer you a reliable valuation. Every painting and sculpture is unique, and ensuring your art has reliable and professional valuation from an expert specialising in selling art of that period is important. A piece of contemporary art worth thousands ten years ago might be worth tens of thousands now!

Pawning is a convenient alternative to selling fine art. If you need a quick injection of cash but don’t want to see the back of that precious painting, pawing is a great solution. Whereas selling through a gallery or auction may leave you waiting for buyers or with an unclear idea of what your art is worth, we can make you an offer within hours.

For many of us today, besides being a hobby and source of joy art is also a significant financial investment, but whether you buy your art with your heart or your head, we can help you to unlock the value hidden in it.

What We Look at When Valuing Fine Art

  • Title of the piece, artist, year or date created, and medium.
  • Where was the item purchased, does it have many previous owners?
  • Condition and any other additional information that may affect the value, frame quality etc.

Many pawnbrokers will offer to lend against your art, however, they don’t offer the same services that we are uniquely positioned to provide. An established FCA regulated pawnbroker, we combine the specialist valuation expertise of auction houses and dealers with our custom developed pawnbroking software and an experienced operations team. Our peer-to-peer lending platform confirms loans quickly and guarantees an easy and confidential transaction.

Your Specialist Online Pawnbroker

Are you concerned about the interest rates and charges on pawn loans? Don’t worry. We operate differently to traditional pawnbrokers. We provide a simple and transparent online service, at an interest rate that is comparable to credit cards.

Instead of a shopfront, we have discreet offices based in the City of London. We use a simple online platform to process our loans, and then we pass the savings onto our borrowers, allowing us to offer the most competitive pawn loan interest rates. All you have to do is upload a picture of your item, describe it, apply for a loan, and you receive an indicative offer.

Borrowing against fine art is a simple and easy way to free up your funds – without letting go of your precious assets. Our loan terms are fair and transparent, and our small team is always at hand to answer any questions or discuss your loan.

How to Pawn your Fine Art 

We provide a hassle-free process so you can quickly receive cash for your fine art. You can apply for a pawn loan against it in three simple steps:

  • Step 1 – Upload photos of the art that you wish to give as collateral. You will receive the loan offer within two hours.
  • Step 2 – Arrange delivery. Call us and we will arrange an insured specialist collection at a time of your convenience or make an appointment to meet us in our discreet office in the City of London.
  • Step 3 – Once the art has been carefully assessed in person, all you need to do is accept your loan offer. The funds will then be in your account within minutes.

Is Borrowing Against Artwork Right for you?

You might not have used a pawnbroker before or may be unsure of the process. The traditional pawn shop image of a valuer sitting behind a counter in a high-street booth is far from the reality with us. There are a wide range of benefits to a pawn loan, some of which you might not have been aware of. So, if you are unsure about the idea of borrowing against fine art, here are the benefits:

No Tedious Paperwork – We know that your time is precious. That’s why our application process is online – quick and simple.

No Credit Checks – The security of a pawn loan does not depend on your financial history. As we are lending money against your assets, your credit score is not relevant to the decision to lend.

Spot-Free Credit Score – Even if you are unable to pay back the loan, your credit history will remain unaffected. We do not report any failure to repay loans and if you wish to walk away from the loan, we sell the assets and transfer the excess funds back to your account.

Easy Access – Receive 70% against the value of your fine art simply by completing our hassle-free online application from the comfort of your home or office.

Discreet and Flexible – We understand that financial arrangements can require discretion.  We communicate only by email and phone with the named borrower, and we post items back in discreet unmarked packaging. Should you wish to make an appointment to meet us, we have an unbranded office in the City of London. We do not have a shop, so do not retail defaulted items.

Low-Interest Rates – We are committed to helping you get loans at the lowest possible rates. Our interest rates are less than half of what other high street lenders charge from borrowers.

To easily understand the interest rates we charge, we have prepared an indicative example of how they are calculated on pawn loans. If you have any questions about a loan, our small team is always at hand to help.

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.

Minimum APR: 18.8%. Maximum APR: 67.1%.

All loans are for a fixed term of 6 months. You can repay early at any time without penalty.

Risk Warning: If the loan is not repaid, the assets may be sold.

So, what are you waiting for? Unbolt your assets and release the funds tied up in your fine art! Get in touch with us today.

Frequently Asked Questions

Is it better to pawn or sell fine art?

In general, it is better to pawn artwork at a reliable art pawn shop than sell it. This is especially obvious if you do not wish to lose your artwork. However, another important reason for choosing art lending is the turnaround time of selling, which much like real estate, is highly time-consuming.

Why should I choose Unbolted for pawning art?

Choosing Unbolted as your art loan lender will give you benefits that a traditional art pawn shop cannot provide. We offer some of the most competitive interest rates in the market on loans against art, a high loan-to-value, and a completely transparent, fair, and hassle-free loan processing.

How does your pawn shop determine the value of fine art?

Unbolted understands that to value and pawn artwork is an art in itself and requires deep subject expertise. This is why we combine the best of expert valuation with custom-made pawning software and an experienced operations team for assessment. The art loan is disbursed only after we determine the value of the product.

How quickly can I obtain my loan for pawning fine art?

Once you have uploaded pictures of your artwork, you can expect to receive your art loan offer within the next two hours. We will need to thoroughly assess your artwork to determine its value, after which your loan against art amount will be transferred to your account within minutes, but may even take as long as two hours.

How much is the interest rate for pawning fine art?

No other art pawn shop charges interest rates as competitive as Unbolted. You can understand our art loan interest rates with the help of this example – Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 40.2% (fixed). Interest for 6 months: £828.12. Amount repayable in one installment: £4,948.12. Representative APR: 53.0%.


Minimum APR 18.8%     Maximum APR 67.1%

How long does the contract run for?

With Unbolted, all art loans are offered for a fixed term of six months. You are required to repay your loan against art within this stipulated period. You can even repay your art business loan early if you’d like without being charged any penalty.

How do I know if my fine art is valuable for pawning?

Before applying for an art loan, make sure your artwork is indeed a work-of-art by checking for the artist name, certification of authenticity, condition of the piece, provenance, size, technique of painting, and whether or not it is a limited edition piece. The rarer and more pristine your artwork, the more valuable it is for art lending.

How do I get my pawned fine art back?

You can get back your pawned art piece once you pay back your art business loan on time. If you do not cover your art lending on time, your artwork may be sold.

Will pawning fine art hurt my credit?

You do not have to worry about your credit report being affected by availing a loan against art from Unbolted. Neither do we require any credit checks prior to the disbursal of your art loan, nor does non-repayment have any impact on your future credit rating.

What happens if I don’t pay your pawn?

In case you fail to repay your art business loan, Unbolted owns all rights to sell your assets, in this case, your fine artwork.

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London EC2R 7AS
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