Online Jewellery Pawnbrokers

Apply online for an instant pawn loan against your jewellery

Jewellery Pawnbrokers

Jewellery is the most popular item to pawn, which is unsurprising given that the jewellery industry in the UK alone is worth around £6bn, and recent studies have shown households in the UK own unworn jewellery worth £6.2bn. We can help you gather some extra funds and unlock the value of your assets, helping you get the maximum amount for your jewellery with market-leading interest rates. We also offer services to pawn luxury watches and diamonds.

Many pawnbrokers will offer to lend against your watch, 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 your jewellery 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 Jewellery

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

  • Step 1 – Upload photos of the jewellery that you wish to give as collateral. You will receive the loan offer within two hours.
  • Step 2 – Courier your jewellery to us using Royal Mail Special Delivery, or make an appointment to meet us in our discreet office in the City of London. If you choose to post your items, we will cover the insurance during transit.
  • Step 3 – Once the piece(s) have 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, but can sometimes take up to 2 hours.

Is Borrowing Against Jewellery 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 jewellery, 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 jewellery 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 jewellery 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 jewellery! Get in touch with us today.

Note - In case the loan is not repaid, your jewellery may be sold.

Frequently Asked Questions

Is it better to pawn or sell jewellery?

It is always better to pawn your jewellery at a reliable jewellery pawn shop in lieu of selling it, mainly for two reasons –


  • You can get instant cash for jewellery without having to lose it altogether
  • As jewellery pawn broker does not need to worry about finding a buyer for your jewellery, you are likely to receive more money by pawning

Why should I choose Unbolted for pawning my jewellery?

Taking a loan against jewellery from Unbolted brings with it the advantages that a traditional jewellery pawn shop cannot offer. Our loan process is simple, online, and hassle-free; we offer the most competitive interest rates on your jewellery pawn and at the same time offer a high loan-to-value.

How does your pawn shop determine the value of jewellery?

As an FCA-regulated jewellery pawn shop, Unbolted determines the value of your jewellery by the combined expertise of specialist auction houses and dealers, custom-developed pawn-broking software, and a skilled operations team. Our loan against jewellery offers is fair, transparent, and lucrative.

How quickly can I obtain my loan for pawning jewellery?

With Unbolted, you need not wait long for your loan against jewellery offer. Simply upload the photos of the jewellery you’re willing to pawn and you can expect to receive a jewellery pawn offer within the next two hours.

What is the interest rate for pawning jewellery?

Unbolted charges the lowest interest rates on jewellery pawn loans. You can understand our interest rates on loan against jewellery 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?

Unbolted lends out its jewellery pawn loans for a fixed term of six months. However, if you are willing to repay early, you can do so without any penalty. In case you are unable to pay back your loan against jewellery within the stipulated time, your jewellery may be sold.

How do I know if my vintage jewellery is valuable for pawning?

To obtain good cash for jewellery, you need to determine the value of it by checking for hallmarks such as purity of the metal or gemstone used, country of origin, manufacturer, weight of the piece, and prongs and their quality in case of costume jewellery. A jewellery pawn shop stands in favour of heavier, pure, and well-crafted pieces.

How do I get my pawned jewellery back?

To get your pawned piece back from a jewellery pawn shop, you must ensure that you repay your jewellery pawn loan on time. If not, your jewellery may be sold.

Will pawning jewellery affect my credit rating?

Taking a jewellery pawn loan from Unbolted doesn’t require credit checks and doesn’t have an impact your future credit rating in any way. In case you are unable to repay your loan against jewellery on time, your assets may be sold, which doesn’t affect your credit score.

How does Unbolted compare to other jewellery pawnbrokers?

When it comes to a jewellery pawn loan, the two main areas people worry about are loan-to-value and interest rates. Unbolted beats other traditional jewellery pawn shops – our LTV goes as high as 70% as opposed to the standard 50% and our interest rates are less than half of what other lenders offer.

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London EC2R 7AS
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