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Get a High-Value Engagement Ring Loan with Qollateral!

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. Loans run from $2,000 to $10 million, and your items come back to you when you repay.

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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.

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. The same is true of a wedding ring or a wedding band. If you are asking whether you can use your wedding ring as collateral for a loan, the answer is yes, and the process is identical.

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

Our Engagement Ring Loan Process

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 the 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.

Engagement Rings We Lend Against

With Qollateral, you can borrow against:

Diamond solitaire engagement rings, from half a carat upward
Halo, three-stone, cluster, and pavé settings
Wedding rings and wedding bands, plain or set
Eternity and anniversary bands
Colored-stone rings: sapphire, ruby, emerald
Signed pieces from Tiffany & Co., Cartier, Van Cleef & Arpels, Bvlgari, Harry Winston, and Graff
Estate, antique, and inherited rings
Loose stones and unmounted diamonds

The valuation starts with the stone. A diamond is assessed on cut, color, clarity, and carat, and a GIA-graded stone appraises faster and higher than an ungraded one because the grading report removes the guesswork. Bring the report if you have it. Lab-grown stones are appraised, too, on a different basis than natural ones, and we will tell you which you have if you do not already know.

Setting and metal contribute to the valuation as well, and a signed setting adds more than an unsigned one. Without any paperwork, you can still receive an offer. The valuation is simply more conservative. Qollateral sits in the International Gem Tower in the heart of the diamond district, and each appraisal is done in-house the same day rather than sent to a third party.

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. A collateral loan is reversible. Selling is not.

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?

Can I use my wedding ring as collateral for a loan?

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.

Gold & Diamond Chain

23CT 12mm 2 Row Gold Cuban Link Diamond Necklace

Loan Amount: $7,000

Rolex

Rolex Datejust 36 Mint Green Index Dial Reference 126234GXO

Loan Amount: $6,500

Audemars Piguet

AP Royal Oak 34mm Rose Gold Diamond-set, Reference 77451OR.ZZ.1361OR.04

Loan Amount: $50,000

Rolex

Rolex Day-Date 40 Oyster, 40 mm, Everose Gold Reference 228235

Loan Amount: $26,000

Lamborghini

Lamborghini Huracan 2022

Loan Amount: $175,000

Rolex

Rolex Sky-Dweller Oyster, 42 mm, Reference 336934

Loan Amount: $16,000

Rolex

Rolex GMT-Master II Blue And Red Pepsi Reference 126710BLRO

Loan Amount: $12,000

Rolex

Rolex Cosmograph Daytona 40MM 116519LN Black Dial Oysterflex Strap

Loan Amount: $20,500

Rolex

Rolex GMT-Master II 126718GRNR, 18K Yellow Gold, Black Dial, 40 mm

Loan Amount: $21,500

Patek Philippe

Patek Philippe 5930P-001 Platinum Green Dial

Loan Amount: $50,000

Patek Philippe

Patek Philippe Nautilus 5740/1G-001

Loan Amount: $150,000

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

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.

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

Need cash but want to keep your engagement ring? Pawn your ring with Qollateral for a secure, high-value loan.

Qollateral | The Best Place for Jewelry Collateral Loans & Sales

Take advantage of your valuable jewelry and turn it into fast cash by using it as collateral or selling it for the highest price at Qollateral.

Google Reviews

      EXCELLENT  
   Based on 179 reviews 
    
 
 
 
   
 
 
       Mark Bletnitsky 
 
 
  From the initial appraisal to the final redemption the process was seamless. Qollateral delivered exactly what they promised and earned my trust.
  
 
      amos funk 
 
 
  I used a Cartier watch and a diamond bracelet as collateral. The valuation was fair and the funds were available much faster than I expected.
  
 
      Alexandros Stavropoulos 
 
 
  I had an excellent experience with Qollateral from beginning to end. I was initially hesitant about getting a loan against a luxury asset, but their team made me feel comfortable by clearly explaining the process and answering all my questions.

Everything was professional, discreet, and straightforward. Communication was excellent, and there were no surprises regarding the loan terms or repayment options. I also appreciated how respectfully and patiently the team treated me throughout the process.

Qollateral allowed me to access funds without selling something I wanted to keep, which made a big difference. Overall, the experience was efficient and pleasant. I would absolutely recommend Qollateral to anyone seeking a professional and discreet loan against valuable assets.
  
 
      Tuan Nguyen 
 
 
  Their appraisal process was straightforward and transparent. I felt comfortable every step of the way and would gladly use their services again.
  
 
      Zach Downey 
 
 
  Qollateral helped me unlock cash from my assets without having to sell them. The flexibility of the loan allowed me to keep ownership of pieces that are important to me.
  
 
      EDDIE CUZZ PEJCINOVIC. 
 
 
  WHAT A HONEST SO PROFESSIONAL ,CARING STAFF  ASKS U EASILY WHAT U WANT TO DO COLLATERAL LOAN OR TO SELL ? SO EASILY EXPLAINED  ,IF U NEED SOME CASH FOR BILLS LIKE ME I TOOK A LOAN  AND IM VERY HAPPY AND IN A FEW MONTHS ILL GET MY ITEM BACK, IM REALLY HAPPY 😊   AND ILL ALWAYS BE BACK.
  
 
      Piny Vind 
 
 
  The team was extremely knowledgeable about high end watches. They accurately valued my Patek Philippe and provided a loan that exceeded my expectations.
  
 
      Ariel Amir 
 
 
  Qollateral treated my luxury watch collection with the care and respect it deserved. The loan process was simple and I was able to redeem my watches without any issues.
  
 
      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.
  
 
      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.

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