Borrow against Jewellery

Need a short-term loan at a great rate? Your jewellery can get you one.

People have owned jewellery since the dawn of time. Adorning oneself with jewellery is second nature to us all. Jewellery holds and conveys deep symbolism - birth, sex, marriage, wealth, power, success. At Unbolted we grant loans against almost all high-value jewellery. You can turn your fine or modern jewellery into cash - and all inside 24 hours. It's a simple and sensible way to free up funds without losing your prized possessions.


Tell us about your jewellery

To offer you the maximum possible loan, we will first need some information:

  • Type of jewellery: Is your loan to be secured against a pair of earrings? A diamond-set ring? Maybe an earring and necklace suite?
  • Metal: Are your earrings/rings/necklaces set in platinum or 18 carat gold? Is the metal UK hallmarked?
  • Signatures: Is your item signed by a major jewellery house like DeBeers or Bulgari? These increase the value - as does offering an original fitted case.
  • Diamonds and gemstones: Are these certified by, for example, AnchorCert, GIA or Gubelin? The more 'Four C' (cut, colour, clarity and carat) knowledge we have, the better. We use Rappaport information combined with auction house expertise to guarantee the maximum lending amount.
  • Provenance. Any proof of purchase or documentation will assist us in obtaining the most accurate value.
Ready to apply? It's fast and simple.

For an instant loan against your jewellery just complete a quick online application. There you can upload a photo and description.. We'll make an initial assessment and indicative loan offer within hours. If you choose to proceed, you may ship your jewellery with our specially designed, fully insured Royal Mail programme. We will normally advance funds within 24 hours and you'll benefit from the lowest rates in the United Kingdom.

Ready to get started?
Submit an application today

Valuing a Diamond

Valuing Your Jewellery

We understand that to send a third party your most precious items is dependent on the confidence that they will be maintained in the manner you do and returned in exactly the same state.

We guarantee that during the entire period your jewellery is in our care including process of valuation, your items are handled as the precious treasures they are.


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Specialists in Jewellery

Our partners Fellows have a dedicated team of nearly 20 specialists most of whom hold formal qualifications in gemmology and diamond grading.


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Storage and Shipping of your Jewellery

We care and protect your jewellery as the precious treasures they are. Depending on the item, they will be stored in an Unbolted secured facility or with a specialist third party.

You may use the special Royal Mail fully insured delivery program or drop the items off at the Unbolted office in the City of London or at one of Unbolted partner's locations.


Our Guarantee

The lowest borrowing costs in UK

We believe that you cannot find a better offer but if you do we will beat it.

Fair and transparent terms

Unbolted never deducts fees upfront - so you receive the full loan amount.

You retain repayment flexibility - we don't impose early-repayment penalties.

If you find you can't pay back your loan we will sell your item - and we will return any surplus from that sale to you.

APR and Loan Terms

Minimum APR: 18.8%. Maximum APR: 63.1%.

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

Representative Example: Total credit: £4000. Set-up fees: £120. Loan term of 6 months. Annual Interest rate: 37.2% (fixed). Interest for 6 months: £766.32. Amount repayable in one installment: £4,886.32. Representative APR: 49.2%.

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

What our customers say

Borrow directly from peer-to-peer lenders at low interest rates. Rep APR: 49.2%

Reflections

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The International Jewellery Show is returning on Sept 6- 8 at the Olympia.

http://www.jewellerylondon.com/home/Why-Choose-IJL/

It is the leading show for the trade to see and acquire new collections.

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With major auction houses completing their wave of fine jewellery auctions, it was no surprise to see that Cartier lead the way in prices achieved on signed pieces. On May 15th, Sothebys auctioned a collection of privately owned jewellery featuring iconic pieces by Cartier. They included a magnificent diamond fringe ...

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Investing in Jewellery

Annabel Zarandi, our Valuations Manager, blogs about investing in jewellery.

Having worked within the jewellery industry for years, I often have people ask me for advice when it comes to investing their money in jewellery. If you are thinking of investing some money into a piece of jewellery, here are ...

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