Will gold loans impact my credit score?

No. Taking loans against gold with Qollateral never affects your credit score. We don’t report to credit bureaus, and loan non-repayment only results in collateral forfeiture, never credit impact.

What if I decline the gold loan offer?

If you choose not to accept our terms, your gold will be returned to you promptly at no cost or obligation.

How are my gold & precious metals protected during storage?

Your gold and precious metals are fully insured by Lloyd’s of London and securely stored in the International Gem Tower, one of the most secure facilities in the country. With decades of experience, our appraisal team has a flawless security record, no assets have ever been lost or stolen. Your valuables are handled with the highest level of care.

How long do I have to repay the loan?

The loan term is 4 months. You can repay the loan in full at any time during this period, with interest only charged for the time elapsed. At the end of 4 months, you can either redeem your gold by paying the full amount or renew the loan by paying the accrued interest, which extends the loan for another 4 months.

Do I have to make monthly payments?

No, instead of monthly payments, interest payments are required every 4 months to keep your loan active.

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Fast & Secure Gold Loans. Get a Loan Against Your Gold With Qollateral

Q: How does the loan process work for gold and precious metals?

Qollateral offers a simple and secure loan process with complete confidentiality. You can schedule an in-person or virtual evaluation. Once you accept the loan terms, you can receive payment as soon as the same day. If you’re completing the process online, we provide a fully insured, prepaid shipping label to ensure a safe and seamless transaction.

Q: What is the maximum loan amount I can receive for my gold or precious metals?

The loan amount for your asset depends on factors like purity (karats), weight, form (bullion, coins, or jewelry) and condition. Qollateral offers loans ranging from $2,000 to $10 million, ensuring you receive the highest possible value for your item(s).

Q: Is it more profitable to pawn or sell my asset?

Whether you choose to pawn or sell, Qollateral provides competitive offers. Pawning, however, allows you to secure the funds you need while keeping the option to reclaim your gold and precious metals later, making it a great choice if you want to retain ownership.

Q: How soon can I receive funds from my gold loan?

Once you agree to the loan terms, funds are available the same day through cash, check, or wire transfer, depending on your preference.

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

Once the loan balance is fully paid, your gold will be promptly returned to you.

Qollateral lets you turn your assets into cash with the highest-value precious metal and gold loans in the industry. We lend against gold in the USA from $2,000 to $10 million, with no credit check and same-day funding.

Introducing GELOC – changing the way you think about borrowing against gold. At Qollateral, we’ve coined the term GELOC to refer to a Gold Equity Line of Credit. It’s another way Qollateral makes lending smarter and more convenient.

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Instant Loan Offer Against Your Gold Within 30 Minutes.

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Expert Valuations

Schedule a private valuation and get a fast and fair valuation based on the secondary market value of your assets.

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Maximum Equity

Cash out maximum equity when you borrow against gold or precious metals, with funding issued the very same day you sign for your loan.

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Secured Lending

Confident financing backed by Qollateral’s stable and secured lending process.

Estimate Your Gold Loan Value Instantly

Qollateral’s gold loan calculator gives you an instant estimate based on live market prices before you commit to anything. Simply enter your gold’s weight and karat, and the calculator returns a real-time loan value in seconds. It works for gold jewelry, bullion, and coins: no account, no personal information, and no obligation required. The calculator advances up to 70% of melt value, and it will tell you the figure before you give us a name or a phone number.

Estimate Your Gold Loan Value

Get an instant estimate based on live gold market prices.

Weight

Karat

Luxury collateral loans against gold and other precious metals

We’ve taken a new approach to high-value luxury loans. Get same-day payouts on precious metal and gold collateral loans, with convenient financing options so you get paid exactly how you want to. Our experienced team offers the industry’s highest valuations on your gold and other metal assets, all backed by a friendly, professional, and confidential process that starts the moment you schedule your first appointment.

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Which Metals and Forms We Lend Against

We lend against precious metals in almost any form. Purity, weight and current spot price set the number.

Gold bullion: bars and investment-grade coins, from one gram to kilo bars
Gold jewelry: chains, bracelets, necklaces and rings in 10k, 14k, 18k, 22k and 24k
Broken, scrap and single-earring gold, valued on melt
Platinum bullion and platinum jewelry
Palladium and rhodium bullion
Gold watches and watch cases
Silver bullion, rounds, bars and numismatic coins

Weight is measured in troy ounces and grams, and purity in karats for jewelry or fineness for bullion. A 14k chain is 58.3% gold by weight; a one-ounce bullion coin is 99.9%. We price both against the same live spot, so you can compare what you are being offered here against what you would get anywhere else in minutes.

If you are not sure what you have, show it to us anyway. We test on site, we tell you what it is, and there is no obligation either way.

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Fast and reliable
gold collateral loans

Our approach to loans against gold and precious metals is the same as our approach to all other luxury loans: make sure our clients get the highest payouts and the most secure lending process possible. Rather than simply weighing your assets, we’ll provide a comprehensive valuation designed to maximize the amount you qualify for. There’s no pressure and no obligation – just helpful guidance to guarantee you top dollar on your luxury collateral loan.

Confidential Services

Schedule a private consultation with our valuation team, with in-person or virtual options based around your busy schedule.

Flexible Payments

Same-day loans paid out fast, plus the option to choose exactly how your loan is funded. Cash, check, or wire transfer – the choice is yours!

No Minimums or Maximums

We’ll pay you what your assets are worth, regardless of the final loan amount.

New York’s premier gold and precious metal loans

We’ve made it our mission to offer our clients the highest value loans in the nation on gold and other precious metals. Bring in your luxury assets today and get a same-day luxury collateral loan with terms optimized to fit your preferences and timeline. We’ll make sure your assets are safe when in our care, and return them immediately at the close-out of your loan.

About Qollateral

Loans Against Gold Bullion

Gold bullion remains one of the most stable and liquid investment assets in the world, making it ideal collateral for short-term financing. With gold bullion loans, Qollateral provides fast access to capital based on the current spot price, purity, and total weight of your holdings.

Clients seeking loans against gold bullion can leverage bars or investment-grade coins without selling their assets. When you borrow against bullion, your metals are professionally evaluated, securely stored, and fully insured throughout the loan term. Once repaid, your bullion is promptly returned, allowing you to access liquidity while maintaining long-term ownership. A gold-backed loan preserves your current financial position in the metal, which matters when the price is fluctuating.

Loans Against Silver Bullion

Silver offers similar advantages for investors seeking flexible financing options. Through silver bullion loans, clients can unlock the value of their holdings without liquidating their position in the market.

Qollateral provides loans against silver bullion based on transparent market pricing and verified purity standards. When you borrow against silver bullion, your assets are protected in a secure facility and remain fully insured for the duration of the loan. This structure allows investors to access short-term funding while retaining exposure to potential future price appreciation.

Get A Loan Against Your Gold & Precious Metals
How It Works

STEP 1

Book an appointment

To get a loan with collateral, first fill out our form, call, or email. Our office is accessible by appointment only. We also offer online assessments, but in-person visits are highly recommended for the full experience.

STEP 2

Meet with us

Our appraisers will do whatever they can to make you feel at home while providing you with an estimate. There’s no need to evaluate your credit history or financials. We’ll have you in and out within an hour.

STEP 3

Receive payment

We’ll provide you with a payment via cash, check, or bank wire instantly. We make the process quick, easy, and discreet. Our priority is to help you get your personal loan against collateral as conveniently as possible.

STEP 4

Pick up when you’re ready

Whether you need a few weeks or a year, your asset will be securely waiting for you in one of our state-of-the-art vaults, fully insured by Lloyds of London. Just don’t forget to schedule an appointment before your visit, as we take security very seriously.

How It Works

How does the loan process work for gold and precious metals?

What is the maximum loan amount I can receive for my gold or precious metals?

How much can I borrow per gram of gold?

Do you lend against platinum and palladium?

Is it more profitable to pawn or sell my asset?

How soon can I receive funds from my gold loan?

Does pawning affect my credit score?

What happens if I decline the loan offer?

How is my gold stored and protected?

How do I retrieve my gold after repaying the loan?

What is the loan repayment period?

Do I need to make monthly payments on my gold loan?

Unlock Cash From Your Gold, Tax Deferred

Get liquidity from your gold without selling. Borrowing is not a taxable event, so you defer capital gains and keep your asset, along with any future appreciation, in your name.

Learn How It Works

Luxury Assets for Tax-Advantaged Asset-Backed Borrowing

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

Assets We Accept

Online collateral loans can be secured against a wide range of luxury assets. This includes (but is not limited to):

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Patek Philippe Nautilus Moon Phase luxury watch available for pawn loans in NYC.

Luxury Watches

Van Cleef & Arpels Alhambra necklace—a sought-after jewelry piece eligible for pawn loans.

Luxury Jewelry Brands

Loose round brilliant diamond—secure an instant pawn loan at Qollateral.

Diamonds & Gemstones

Gold bullion bars—convert your investment into fast cash with Qollateral.

Precious Metals

Hermès Himalayan Birkin handbag—one of the most valuable luxury bags available for asset loans.

Luxury Handbags

Gold and silver bullion coins available for high-value collateral loans at Qollateral.

Gold and Silver Coins

Andy Warhol Marilyn Monroe pop art print in black, white, red, and yellow

Fine Art

Antique pocket watch collectible on rustic table

Rare Collectibles

Three graded Pokemon cards featuring Charizard, Shining Mewtwo, and Umbreon VMAX in protective slabs

Trading Cards

Red Ferrari SF90 Stradale supercar parked on a paved surface

Exotic Cars

Book an Appointment
with Our Valuation Team

Online and in-person consultations are available by appointment only. Please contact us today to get started.

Get An Offers

How To Get A Loan Against Gold Jewelry

This short video explains how to get a a loan against your gold jewelry with Qollateral. Learn how we help clients unlock fast, discreet funding using luxury jewelry with no credit checks, no income verification, and same-day payouts.

Recommended Resources

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Google Reviews

      EXCELLENT  
   Based on 175 reviews 
    
 
 
 
   
 
 
       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.
  
 
      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.

View All Reviews

Fast & Secure Gold Loans. Get a Loan Against Your Gold With Qollateral

Estimate Your Gold Loan Value Instantly

Estimate Your Gold Loan Value

Luxury collateral loans against gold and other precious metals

Which Metals and Forms We Lend Against