If you are seeking a loan against jewellery, Edinburgh Asset Finance (EAF) offers one of the UK’s most specialist, discreet and accurate services for raising capital against high-value jewellery. While many jewellery pawnbrokers focus on low-value or mass-market items, we work almost exclusively with premium, branded and investment-grade pieces — including diamond jewellery, signed designer pieces, and high-purity gold.

Our approach combines expert in-house assessment, realistic auction-based valuations, and immediate funding. This ensures you receive a fair and accurate loan amount, not an inflated figure based on an insurance valuation that cannot be realised in the trade.

We provide cash loans against jewellery from £1,000 upwards, typically lending around 60–70% loan-to-value, with funds released instantly once we take possession of the item, and paperwork has been completed. Whether you require a short-term loan against jewellery for personal liquidity, business cashflow or an investment opportunity, our service is fast, confidential and built for clients who expect accuracy and professionalism.

Why Choose EAF for Loans Against Jewellery?

Expert Valuations Based on Real Market Data

Insurance valuations are often inflated for replacement purposes, not for resale.
We base our valuations on:

  • real-world auction estimates
  • current trade prices
  • diamond and gemstone grader input
  • brand desirability and market performance
  • metal purity and weight

This ensures your loan against jewellery reflects the true achievable value — not a speculative or unrealistic figure.

Specialists in High-Value & Branded Jewellery

We regularly lend against:

  • Large Diamond engagement rings and diamond jewellery
  • Signed pieces (Cartier, Tiffany & Co., Bvlgari, Graff, Chopard, Van Cleef & Arpels)
  • High-purity gold jewellery (18ct and above)
  • Jewellery accompanied by certification (Generally GIA or brand certification)
  • High-value antique or vintage jewellery
  • Luxury gemstone pieces including ruby, sapphire, emerald

Because we focus on premium items, we can offer higher loan amounts and a more refined level of service than a typical high-street pawnbroker jewellery shop.

Fast Decisions & Immediate Funding

We understand that time matters. Our process is fast and discreet:

  • same-day valuations
  • same-day loan offers
  • immediate cash release once the jewellery is in our possession

We provide some of the most efficient loans against jewellery in the UK.

Secure Storage

All jewellery held with us is:

  • fully insured
  • stored in a high-security vault
  • protected in a secure 24/7 monitored environment
  • handled only by trained specialists

Your jewellery remains safe for the entire duration of the loan.

Discreet, Personal Service

Whether you prefer to visit us in person, arrange secure delivery, or meet at a private location, our service is fully confidential and tailored to your preferences.

What Jewellery Can You Get a Loan Against?

We provide loans against jewellery for a wide range of high-value pieces, including:

Diamond Jewellery

  • solitaire rings
  • halo and trilogy rings
  • tennis bracelets
  • diamond necklaces and pendants
  • diamond earrings

We welcome GIA, IGI, HRD or other certification — though uncertified stones can often be assessed.

Designer & Branded Jewellery

We routinely lend against:

  • Cartier Love bracelets, Juste un Clou, Panthère
  • Van Cleef & Arpels Alhambra
  • Tiffany & Co. diamond jewellery
  • Bvlgari Serpenti & B.Zero1
  • Chopard, Graff, Buccellati and other premium houses

Brand heritage significantly strengthens loan value.

Gold Jewellery

For loan against gold jewellery applications we consider:

  • weight
  • purity (typically 18ct +)
  • design and desirability
  • aftermarket performance

Purity plays a major role in determining value.

Gemstone Jewellery

High-quality natural gemstone pieces are welcomed, including emerald, ruby, sapphire and other precious stones — especially those accompanied by laboratory reports.

How Our Jewellery Pawnbroking Process Works

1. Initial Contact

Send us photos and details of your jewellery by message, email or phone. We provide a preliminary valuation and confirm whether the piece is suitable for lending.

2. Expert Valuation

We appraise the jewellery using:

  • diamond grading standards
  • brand and model verification
  • metal purity testing
  • auction estimates
  • market comparables

This ensures a precise and realistic valuation.

3. Loan Offer

Once valuation is agreed, we present your tailored loan amount — usually within minutes.

4. Bring or Send the Jewellery

You can:

  • bring it to us in person
  • arrange a private meeting somewhere in the UK of your choosing
  • use a secure, insured courier

Funding is released as soon as we receive the item.

5. Secure Storage

Your jewellery is fully insured and stored in our high-security, climate-controlled vault.

6. Redeem Anytime

At the end of the term — or earlier if you prefer — simply repay the loan plus interest and your jewellery is returned immediately.

How Much Can I Borrow Against Jewellery?

We offer:

  • minimum loan value: £1,000
  • typical loan-to-value (LTV): 60–70%
  • no credit checks, no affordability assessments
  • no impact on credit rating

Loan value is influenced by:

  • metal purity and weight
  • diamond/gemstone grades (4Cs)
  • brand desirability
  • condition
  • supporting documentation

For clients searching for the best loan against jewellery interest rate or loan against gold jewellery interest rate, our terms are clear, transparent and highly competitive within the luxury pawnbroking sector.

What Makes EAF Different From Other Jewellery Pawnbrokers?

  • We focus on high-value jewellery, not general stock
  • We provide more accurate valuations by avoiding misleading insurance figures
  • We combine auction insights with trade knowledge
  • We offer a private, concierge-style service
  • We operate with speed, discretion and transparency

For clients searching loan against jewellery near me, our remote valuation process means we serve customers across the entire UK — quickly and efficiently.

Frequently Asked Questions

What types of jewellery can be used as collateral?

We accept diamond jewellery, designer brands, high-purity gold, gemstone pieces, vintage or antique jewellery and certified items. The piece must be of sufficient value to meet our £1,000 minimum loan.

Are certifications required for gemstones?

Certification is preferred (GIA, HRD, IGI), but not mandatory. Uncertified stones can still be valued accurately by our specialists.

How is the value assessed?

We consider the 4Cs (for diamonds), metal purity, weight, brand, condition and current market data. We use auction estimates and trade pricing rather than inflated insurance valuations.

Does condition or brand impact the loan amount?

Yes. Prestigious brands, iconic collections and well-maintained pieces typically achieve higher loan values due to stronger demand and resale performance.

Is the jewellery insured while in storage?

Yes. All jewellery is fully insured, stored securely in a high-security vault and protected throughout the loan duration.

Contact Edinburgh Asset Finance today to arrange your private appointment.