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Get a High-Value Engagement Ring Loan with Qollateral!

Q: How does the engagement ring loan process work?

At Qollateral, we’ve streamlined our loan process to be quick, secure, and confidential. You can schedule an appointment for an in-person or virtual evaluation. Once you accept our loan offer and terms, we can issue payment as soon as the same day. If you’re completing the process online, we provide a fully insured, pre-paid shipping label for a hassle-free and secure transaction.

Q: How much can I borrow against my engagement ring?

We offer the highest possible loan value for your engagement ring, which depends on factors such as the brand, carat weight, diamond quality, setting, condition, and whether you have the original box and paperwork. Loan amounts range from $2,000 to $10 million.

Q: Is it better to pawn or sell my engagement ring?

At Qollateral, we provide competitive offers whether you choose to pawn or sell your engagement ring. Pawning allows you to access funds while retaining the option to reclaim your ring, making it an ideal choice for those who wish to keep their sentimental piece.

Q: How fast can I receive funds from my engagement ring loan?

Once you accept our loan offer, funds are disbursed the same day via cash, check, or wire transfer—whichever method works best for you.

Q: Will taking a loan on my ring affect my credit score?

No, taking out a loan with Qollateral will not impact your credit score. We do not report to credit bureaus, and if you choose not to repay the loan, the only consequence is forfeiting your pledged engagement ring—there are no negative effects on your credit profile.

Q: What if I don’t accept the loan offer?

If you decide not to proceed with our loan offer, no problem. We’ll return your ring immediately at no cost or hassle.

Q: How is my engagement ring stored and protected?

Every engagement ring is fully insured by Lloyd’s of London and stored in a high-security vault within the International Gem Tower, one of the most secure facilities in the country. Our expert appraisal team has a flawless track record—your valuables are handled with the highest level of care and security.

Q: How do I retrieve my engagement ring after repaying the loan?

Once your loan balance is fully paid, we will promptly return your engagement ring to you.

Q: What is the loan term, and how do payments work?

Loans are issued for a 4-month term. You have the flexibility to repay the loan in full at any time before the term ends, with interest only charged for the time elapsed. At the end of the 4-month period, you can either redeem or renew the loan. To renew, you simply pay the accrued interest, and a new 4-month loan term will begin.

Q: Do I have to make monthly payments on my engagement ring loan?

No, interest payments are due every 4 months to keep your loan active throughout its term.

An engagement ring loan from Qollateral is the easiest way to turn your high-value asset into same-day cash. It all starts with an appointment for an in-person or virtual loan consultation. No obligation, no hidden fees.

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Same-Day Engagement Ring Loans From Anywhere

Qollateral is the go-to lender for short-term collateral loans in New York and across the country. Take out engagement ring loans from wherever you’re located. We promise the highest loan-to-value ratios in the nation and a seamless, stress-free experience from start to finish.

Yellow diamond engagement ring with halo of white diamonds available for collateral loan.

Our Process

Why sell an engagement ring if you can borrow against it instead? With short-term luxury jewelry loans from Qollateral, you can take out secure collateral loans against a wide range of luxury assets, including engagement rings, all without giving up ownership of the item.

To get started, book a consultation with our valuation team for an expert assessment of your ring. We’ll consider things like the quality of the stones, the setting, and the condition, then provide you with a loan offer based on the ring’s highest secondary market value. If you choose to move forward, we’ll process your loan same-day with an instant payout via cash, check, or money order – the choice is yours!

Valuations can be done in person or over the phone – whatever is most convenient for you. If you’re taking out a diamond ring loan virtually, we’ll send you a free and fully insured shipping label so you can send your engagement ring to us with full peace of mind.
During your loan period, we’ll store your engagement ring in a highly secure vault within New York’s International Gem Tower. Your ring will also be protected and fully insured by Lloyd’s of London. And once your loan is repaid, we’ll give it back to you in the same condition it was in when you left it with us. It’s that simple.

Three-stone diamond and sapphire engagement ring used for collateral-based loan.

Don’t Sell a Diamond Ring Online – Borrow Instead

There is a lot of monetary value in engagement rings, but there is also a lot of sentimental value. If you need access to quick cash, borrowing against your ring is one of the best ways to do it, and ensures you can get your ring back once your loan terms are complete.

At Qollateral, we’re committed to integrity in all that we do. Our loans on engagement rings offer such benefits as:

No credit checks
Flexible terms and conditions
Confidential and discrete loan services
No-obligation appraisals
Same-day financing
Asset protection

Get the funding you need and the confidence that comes from working with one of the industry’s top collateral lenders – all without leaving home.

Solitaire diamond engagement ring with pavé band offered for a same-day jewelry loan.

How It Works

How does the engagement ring loan process work?

How much can I borrow against my engagement ring?

Is it better to pawn or sell my engagement ring?

How fast can I receive funds from my engagement ring loan?

Will taking a loan on my ring affect my credit score?

What if I don’t accept the loan offer?

How is my engagement ring stored and protected?

How do I retrieve my engagement ring after repaying the loan?

What is the loan term, and how do payments work?

Do I have to make monthly payments on my engagement ring loan?

Some Of Our Recent Loans

Actual loan values may exceed the amounts shown. Displayed amounts reflect the borrower's requested draw, and vary based on item condition, market demand, and collateral evaluation.

Rolex

Rolex Oyster Perpetual Sky-Dweller Ref. 326934

Loan Amount: $13,000

Audemars Piguet

Audemars Piguet Royal Oak Selfwinding 41mm Watch

Loan Amount: $35,000

Audemars Piguet

Audemars Piguet Royal Oak Offshore Chronograph 42mm

Loan Amount: $30,000

Porsche

2016 Porsche Boxster Spyder (981 generation)

Loan Amount: $50,000

Rolex

Rolex Yellow Gold Sky Dweller 336938 Champagne

Loan Amount: $23,000

Audemars Piguet

Audemars Piguet Royal Oak Chronograph in 18k Rose Gold

Loan Amount: $50,000

Rolex

Rolex Land-Dweller 40mm Ref. 127334

Loan Amount: $13,000

Rolex

Rolex Sky-Dweller 42mm Blue Dial Ref. 326934

Loan Amount: $15,000

Rolex

Rolex Tiffany Oyster Perpetual Ref. 277200

Loan Amount: $5,000

Rolex

Rolex GMT-Master II Sprite Black Dial

Loan Amount: $12,000

14k Yellow Gold Solid Miami Cuban Link Chain

Heavy Gold Cuban

14k Yellow Gold Solid Cuban Link Chain

Loan Amount: $15,000

Audemars Piguet

Audemars Piguet Royal Oak Offshore “Panda” (Ref. 26170ST)

Loan Amount: $12,000

Patek Philippe

Patek Philippe 5980

Loan Amount: $80,000

Rolex

Rolex Datejust Ref 126334

Loan Amount: $8,000

Patek Philippe

Patek Philippe 5811/1g-001

Loan Amount: $125,000

Patek Philippe

Patek Philippe 5961r-010

Loan Amount: $90,000

Patek Philippe

Patek Philippe 5990/1R-001

Loan Amount: $188,000

Rolex

Rolex Datejust Ref 126300

Loan Amount: $6,000

Hermès

Hermès Birkin 25

Loan Amount: $12,000

Vacheron Constantin

Vacheron Constantin Gold Ref X45RV127

Loan Amount: $35,000

Rolex

Rolex Submariner Date 126610ln

Loan Amount: $8,000

Rolex

Rolex President Ombré Green Dial 228238 ref

Loan Amount: $45,000

Rolex

Rolex Hulk Submariner 116610LV

Loan Amount: $10,000

Platinum solitaire ring with large round brilliant diamond and pavé band

Tiffany & Co.

5ct Tiffany Diamond Ring

Loan Amount: $55,000

Van Cleef & Arpels

Van Cleef & Arpels Lady Arpels Pont des Amoureux Watch

Loan Amount: $28,000

Rolex

Rolex Day-Date President Ref 218348

Loan Amount: $25,000

Cartier

Cartier Love bracelet in Yellow Gold

Loan Amount: $3,000

Rolex

Rolex Datejust 178271

Loan Amount: $9,000

Audemars Piguet

Audemars Piguet Royal Oak ref. 77450SR

Loan Amount: $22,500

Rolex

Rolex Datejust Ref 126334

Loan Amount: $7,000

Audemars Piguet

Audemars Piguet Royal Oak Ref 15500ST.00.1220ST.03

Loan Amount: $25,000

Bulgari Serpenti Tubogas Watch in Yellow Gold with Diamonds

Bvlgari Watch

Bvlgari Serpenti Tubogas Gold Watch Ref 101923

Loan Amount: $18,000

Audemars Piguet

Royal Oak Stainless Steel Diamond Bezel Grey Dial

Loan Amount: $25,000

Rolex

Day-date 36mm Presidential Watch 118235A

Loan Amount: $18,000

Audemars Piguet

Royal Oak Offshore 2020

Loan Amount: $26,500

Rolex

Day-date 41mm Presidential Watch 218238

Loan Amount: $23,000

BMW M5CS

2022 BMW M5 Competition Sport

Loan Amount: $50,000

Patek Philippe

Aquanaut 5168G 2024

Loan Amount: $46,000

McLaren

McLaren 600 LT Papaya Orange

Loan Amount: $150,000

Patek Philippe

Patek Philippe Nautilus 5980/1r

Loan Amount: $80,000

Hermès Birkin

30 Himalaya Hermès Birkin Bag

Loan Amount: $50,000

Audemars Piguet

Royal Oak Stainless Steel Bust Down Watch

Loan Amount: $15,000

Rolex

Rolex Date Just Watch 41, Ref 126334

Loan Amount: $8,000

Patek Philippe

Rose Aquanaut Dual Time

Loan Amount: $85,000

Audemars Piguet

Royal Oak Double Balance Openworked – Factory-Set Diamond Baguette Bezel

Loan Amount: $130,000

Patek Philippe

Rose Gold Nautilus

Loan Amount: $100,000

Hermès Birkin

Faubourg “House Birkin” – Night

Loan Amount: $80,000

Hermès Birkin

30 Himalayan Gris Cendre

Loan Amount: $70,000

Hermès Kelly

Sellier 20 Doré Chevre Chamkilight – Permabrass Hardware (“Mini Kelly”)

Loan Amount: $20,000

Anthony Edwards Rookie Patch Auto

Panini Flawless /25

Loan Amount: $6,000

George Best Card

1964 Barratt & Co. Ltd Famous Footballers Series A.12 — PSA 9

Loan Amount: $25,000

Kobe Bryant BGS 9 Card

1998-99 Bowman’s Best Atomic Refractor

Loan Amount: $2,500

Tom Brady PSA 8 Card

2002 Topps Chrome “Own the Game” Refractor

Loan Amount: $800

Gold Coins

2x Canadian Gold Maple Leaf 1 oz

Loan Amount: $8,000

Rolex

GMT-Master II “Sprite” Green/Black Bezel Jubilee Bracelet Watch

Loan Amount: $11,000

Gold Bar

Fine Gold Bar Encased

Loan Amount: $3,205

Mickey Mantle Card

1952 Mickey Mantle #311 PSA 6

Loan Amount: $115,000

Monkey D. Luffy Card

2022 One Piece Monkey D. Luffy Super Pre Release Winner PSA 10

Loan Amount: $8,500

Portgase D Ace Card

2025 One Piece OP13 EN Portgase D Ace Red Manga PSA 10

Loan Amount: $8,000

Shanks Card

2022 One Piece OP01 EN Shanks Manga PSA 10

Loan Amount: $4,000

Audemars Piguet

Audemars Piguet Royal Oak Mini Pink Frosted Gold Quartz

Loan Amount: $42,000

Cartier Watch

Panthère de Cartier Watch

Loan Amount: $8,000

Bvlgari Watch

Bvlgari Serpenti Tubogas Lady Watch 18kt Yellow Gold

Loan Amount: $15,000

Bvlgari Necklaces

Bvlgari Serpenti Viper Necklace Rose Gold Necklaces

Loan Amount: $28,000

Hermès Kelly

Hermès Kelly 25 Blue Frida Epsom Sellier

Loan Amount: $6,000

Proudly offering the highest value collateral loans to clients in NYC and across the nation

100% Satisfaction Guarantee

Book an Appointment

We’re ready to get started when you are. Contact us today to set up a private consultation and find out why we’re the best choice for borrowing against an engagement ring or other luxury assets.

Get In Touch

Four diamond engagement rings in gold and platinum settings used as collateral for a loan.

Recommended Resources

A high-value diamond engagement ring on a reflective surface, used as collateral for a short-term loan at Qollateral.

Google Reviews

      EXCELLENT  
   Based on 172 reviews 
    
 
 
 
   
 
 
       Christina Topchu 
 
 
  I had a very pleasant experience with the team here at Qollateral. They made me feel very comfortable and answered all the questions I had. The office felt luxury and private in the GIA building with lots of security to get in, which made me feel comfortable leaving my valuables with Qollateral.
  
 
      James B 
 
 
  I needed quick access to capital and did not want to sell my Rolex. Qollateral gave me a fair loan offer and funded the loan the same day. The entire process was professional and discreet.
  
 
      Danny Anderson 
 
 
  Took out my first loan on some Pokémon cards i refuse to sell, the process was quick and easy and had the funds in minutes, Jonathan was very patient, very happy with their service. 5/5
  
 
      Kevin Revinov 
 
 
  Trustworthy, consistent and reliable team! Thank you.
  
 
      Christine D. 
 
 
  My experience with Qolatteral was excellent, and I highly recommend their services if you are considering securing a loan against a valuable item.
  
 
      Алиса Ёрчук 
 
 
  I was nervous about shipping my watch collection but everything was fully insured and handled professionally. Communication was excellent throughout the process.
  
 
      Yuriy Babadzhanov 
 
 
  I compared several luxury asset lenders before choosing Qollateral. Their offer was the strongest and their customer service was exceptional from start to finish.
  
 
      Cameron Swanson 
 
 
  Great experience, super fast, and Jonathan was extremely helpful for a quick loan experience on Graded Pokemon Cards
  
 
      Nata Justley 
 
 
  This office is most dedicated to providing outstanding service and ensuring customer satisfaction through clear communication, transparency, and efficient solutions
  
 
      Sherif Shabaan 
 
 
  Best team on 47st. Very secure and knowledgeable. Will do business again
  
 
      ExclusiveAuto 
 
 
  Just had to come here and mention my fantastic experience with Qollateral. Greg was professional, responsive, and made the entire process smooth and straightforward from start to finish. Communication was excellent and everything was handled quickly and transparently. Will definitely be working with them again.
  
 
      aleksandra chernobrodskaya 
 
 
  I just transacted with their office with a new Chanel bag. I’m very pleased with the service and the deal I got. Thank you))
  
 
      Shivam Soni 
 
 
  Had a great experience working with Qollateral. I needed some quick cash and was able to give me a $6,000 loan using a few of my graded Pokémon cards as collateral. Super easy process from start to finish. I emailed them and got a response with an offer in under 30 minutes. Went to the office the same day and had cash in hand within an hour. Everyone was professional, transparent, and easy to work with. Definitely recommend if you’re looking for a fast and straightforward way to leverage your collectibles without selling them.
  
 
      L L 
 
 
  Amazing staff and service, i've got a great qoute for watch and jewelry ! will continue doing business with them!!
  
 
      Ekaterina Savitskaia 
 
 
  i’m very pleased with the service I received at this office. Was very surprised and how  everyone was thank you very much.
  
 
      Brandon Govender 
 
 
  Premier Services from A to Z Michael is transparent and provides top tier vault solutions for your luxury items. Highly recommend for reasonable rates and working with great people.
  
 
      mendy bankhalter 
 
 
  I was very happy working with Michael , he delivered a fantastic experience for me.
  
 
      Tomi Rivera 
 
 
  I had a great experience with this company. The loan process was quick, simple, and very straightforward. Everything was explained clearly, and the funds were provided in a timely manner when I needed them most. The customer service team was professional, helpful, and responsive throughout the process. I truly appreciate how smooth the experience was and would definitely recommend them to anyone looking for a reliable loan option. Again, Seamless process from start to finish. Ellen was great very helpful, professional, and made everything easy to understand. Highly recommend!
  
 
      Mordechai Shalouh 
 
 
  I brought my AP  watch to the office. Before that, I quoted it with three other , and they gave me the best offer. ps great Office
  
 
      Morris Ades 
 
 
  Great team, very knowledgeable, and very professiona. Me and my wife loved working with them.

View All Reviews

Get a High-Value Engagement Ring Loan with Qollateral!

Same-Day Engagement Ring Loans From Anywhere

Our Process

Don’t Sell a Diamond Ring Online – Borrow Instead

How It Works

Some Of Our Recent Loans

Proudly offering the highest value collateral loans to clients in NYC and across the nation

Book an Appointment

Recommended Resources

How to Pawn an Engagement Ring | Fast Cash Loans with Qollateral

Step-by-Step Guide: How to Get a Luxury Jewelry Loan

Qollateral | The Best Place for Jewelry Collateral Loans & Sales

Google Reviews