Borrow Money Against Jewellery
We offer fast, discreet jewellery pawn loans in our London stores and nationwide via our fully insured home collection service. With over £100 million lent against fine jewellery in recent years, our JET trained experts ensure you receive the maximum value, making us one of the UK’s leading jewellery pawnbrokers.
Free expert valuation
No credit checks
Trusted for over 250 years
£300m provided in finance
UK wide service
Three London showrooms
No early redemption fees
Interest payable at redemption
Redeem the loan at anytime
How Does Pawning Jewellery Work

Contact us
Get in touch with us online,
in-store or by phone.

Accept Offer
RECEIVE YOUR OFFER FROM OUR
SPECIALISTS IN AS LITTLE AS 1 HOUR.

RECEIVE MONEY
ACCEPT THE AGREEMENT AND RECEIVE
THE MONEY VIA SAME-DAY BANK TRANSFER.
WE OFFER SEVERAL OPTIONS:
In Store
Bring your jewellery into one of our London stores today. You are welcome to book an appointment with our expert appraisers and they will be ready to meet you when you arrive.
Courier Service
Use our free insured Special Delivery courier courier service to send your jewellery to us, or we can send our courier to you to collect your jewellery. Receive money in 24 – 48 hours from your home.
Book Appointment
We recommend booking an appointment to ensure a prompt service. Our expert appraisers will be ready to meet and serve you when you arrive.
HOW WE VALUE YOUR JEWELLERY:
Our highly trained specialists consider many factors when valuing your jewellery to ensure we provide you with the most accurate and up to date valuation. The most important factors are:
Brand
Jewellery from certain brands or makers such as Cartier, Tiffany Van Cleef & Arpels tend to have higher resale values and hold their value much better over time.
Provenance
If you have a certificate of sale or any papers that record information about your jewellery, this adds value. If you have lost or misplaced them, don’t worry, we will still be able to provide you with a loan estimate.
Material
Fine jewellery is mostly made of high value materials such as gold (yellow, white, rose), platinum and silver. Look for the hallmark stamped on your jewellery as this certifies the purity (9 – 24 carats).
Condition
We understand that over time your jewellery might have some wear and tear damage, though any significant dents, scratches or other damage can impact the value. Broken jewellery made of precious metal can still be valued by weight gemstones can be valued separately.
Gemstones
Diamonds are assessed by the fundamental four C’s: colour, clarity, cut and carat. To achieve the highest potential value for your diamonds, we welcome the 5th C: certificate. Laboratory certificates from GIA, HRD, and Anchorcert all help maximise the value of the diamonds set in your jewellery.
Market Value
We consider any recent information we can locate from auction and private sale records to ensure our valuations, which are based on auction estimates, are accurate. Read more about our valuation process for jewellery.
LOOKING AFTER YOUR JEWELLERY:
Transport
If you use our courier service to have your jewellery collected from your home & send your items to us, they will be insured up to £20,000 during transportation.
Storage
Whilst your jewellery is with us to be valued by our specialists, or if your jewellery is under loan with us, it is stored in protective packaging in our highly secure vaults.
Care
When your jewellery is with us, we take every step necessary to look after it. Our valuation specialists and inventory managers handle your jewellery with care to make sure your luxury valuables are returned to you in the same condition we received them in.

Best Online & London Jewellery Pawn Shop
Suttons & Robertsons is the best place to pawn jewellery in London. Drawing on over 250 years of experience, our specialists provide fair, up-to-date valuations for fine jewellery and precious metals. We pride ourselves on offering a transparent, confidential service that delivers competitive loan values with speed and ease.
RECENT LOAN EXAMPLES














Our Pawn Shop Interest Rates
| Loan Amount | Monthly Interest Rate | APR % (Annual Percentage Rate) |
|---|---|---|
| £500 – £4,999 | 6.5% | 93.21% |
| £5,000 – £14,999 | 6.0% | 84.96% |
| £15,000+ | Interest rates vary. Please enquire for more information. | |
Get a Free Quote NOW
0800 038 9839

transact from Home & In Store
We welcome you to visit any of our secure and private London stores. We recommend booking an appointment to ensure a prompt service. If you're short on time, you can drop off your items, and we can sort the rest remotely.
If you don’t live or work locally, you can use our free, fully insured (up to £20,000) special delivery courier service. Send safely today, received tomorrow, payment to you - all in 72 hours.
FREQUENTLY ASKED QUESTIONS
How much can I pawn my jewellery for?
We offer loans from £500 up to £2 million. We lend a percentage of the items’ auction or resale valuation, which is often different from an insurance valuation. Find out more about our valuation process.
What percentage do pawn shops pay for jewellery?
We typically loan on jewellery between 65% to 70% of an item’s auction value, compared to around 50% at most other jewellery pawnbrokers. Typically, this means that if you own a piece of diamond jewellery with a resale value of £5,000, we could lend you up to £3,500.
Do pawn shops give good money for jewellery?
Some customers are surprised by how much their jewellery is worth, while others expect more, however, our valuations are always fair, and we aim to offer the highest loans for jewelry.
What pawn shop pays the most for jewellery?
We’re regarded as one of the UK’s leading pawnbrokers for achieving the highest jewellery valuations. Unlike many high-street pawnbrokers, who often rely on basic weight and metal content, our expert valuers are JET-trained and assess each piece on its craftsmanship, brand, and market demand.
Can you use jewellery as collateral for a loan?
Yes, used expensive jewellery is ideal security for a short term loan due to its stable and easily verifiable value.
Which jewellery brands do you offer loans against?
We regularly provide loans against luxury jewellery brands, including Cartier, Tiffany & Co., Van Cleef & Arpels, Bulgari, Graff, and Harry Winston. We also frequently lend against more unique or lesser-known high-end designers.
What jewellery do you offer pawn loans on?
We lend against used, new, branded and non-branded jewellery, made of silver, gold, and platinum. This includes jewellery featuring diamonds, rubies, sapphires, emeralds, and other gemstones, as well as necklaces, pearls, earrings, brooches, cufflinks, pendants, rings, lockets, bangles, bracelets, charms, and chains.
What are your tips for pawning jewellery?
Our key tips for pawning jewellery:
- Have a plan to make the jewellery loan repayment at the end of the loan
- Find a pawnbroker like us with specialist jewellery appraisers
- Bring jewellery certificates and paperwork to increase the valuation
- Know the key jewellery details (weight, gold carat, stone carat, maker’s mark)
Why borrow against jewellery?
There is often a sentimental or emotional reason why people own jewellery, therefore, borrowing money against jewellery is often a more suitable option than selling jewellery to raise short-term funds.
Where to pawn jewelry near me?
If you’re looking to pawn expensive jewellery, such as a ring and live or work in London, visit us at one of our Central London locations in Victoria, South Kensington, or Edgware Road. We offer fast, discreet cash loans against fine jewellery.
Can you pawn broken jewellery?
Yes, you can pawn broken or damaged jewellery. However, the valuation will reflect the condition of the piece, meaning the loan amount may be lower depending on the extent of the damage and whether it’s repairable.
Which jewellery is not accepted for a loan?
We do not accept jewellery from lower-end fashion brands such as Pandora. We primarily lend against high-value pieces from luxury brands, such as Cartier, as well as items crafted with precious metals and gemstones.
Can you pawn pearls?
Yes, you can pawn pearl jewellery with us. The most valuable pieces typically feature natural or high-quality cultured pearls, especially when set in gold or paired with designer or antique settings, including those from pearl jewellery brands such as Mikimoto.
Can you pawn lab grown diamond jewellery?
No, we don’t currently buy or offer loans against lab grown diamond jewellery.
Do you have a pawn shop diamond ring calculator?
We don’t currently have a diamond ring loan calculator, but we can provide you with a preliminary loan quotation within a few hours of receiving your enquiry.
Do pawn shops buy jewellery?
Yes, we can either purchase your used jewellery outright, offer consignment sales or offer a loan against it, provided it meets our lending and purchasing criteria.
Who is the best pawn shop to sell jewellery?
We believe we are the best pawn shop for selling high-end, second-hand jewellery. Whether branded, diamond, or gold, we are a trusted choice across the UK, buying millions of pounds’ worth of jewellery from our clients every year.
How do I clean my jewellery?
It’s essential that your jewellery is cleaned regularly, but this needs to be done with care. If your jewellery contains gemstones such as diamonds or sapphires, it should be professionally cleaned. If it doesn’t include any gemstones, you can clean your jewellery yourself using a small soft brush and lukewarm soapy water.
What ID do I need to pawn my jewellery?
To pawn your jewellery, you will need to provide valid identification, such as a passport or a UK driving licence, along with proof of address, such as a recent utility bill or bank statement.
Is your jewellery finance suitable for bad credit?
Yes, our loans are suitable for those individuals with bad credit, as we don’t conduct credit checks as part of our underwriting process. The loan is secured against the jewellery being used as collateral. We simply take secure possession of your jewellery for the duration of the loan, which makes our service different from traditional jewellery finance products.
Can I pawn my jewellery online?
Yes, you can with us, we are both a store and an online jewerly pawn shop. You can apply online, receive a quote, and use our secure and fully insured home collection service. If you choose not to proceed with the loan, we’ll return your items free of charge, or you can collect them in-store.
Why should I borrow against my jewellery with you?
The main reasons are:
- We offer higher loan amounts and lower interest rates than our competitors
- We provide outstanding customer service, which is backed up by excellent Trustpilot and Google reviews
- Since 2010, we have lent over £100 million against jewellery to thousands of clients
- Our valuation experts are JET trained through The National Association of Jewellers
How much do pawn shops pay for diamond rings?
It depends on the ring, particularly the diamond’s 4 Cs (cut, colour, clarity, and carat), as well as the brand, metal, and overall condition.
Can you pawn moissanite jewellery?
Yes, you can pawn moissanite jewellery with us, provided the loan value meets our £500 minimum.
Can you pawn earrings?
Yes, we are a pawn shop for earrings. We regularly provide loans against all types of earrings, from diamond studs to expensive designer pieces.
Can you pawn one earring?
Yes, you can pawn a single earring or stud with us. However, the valuation will typically be based on the gemstone and metal content, rather than the resale value as a pair.
How to pawn jewellery for cash?
Pawning used jewellery for cash is simple. Bring your items to us (or use our online jewelry pawn service), we’ll provide a valuation, agree on a loan amount, and you’ll receive the funds immediately. Your jewellery stays securely with us until you repay the loan. Don’t worry if you have never used a pawnbroking service before, our customer service team are there to assist you through the process.
Do pawn shops take silver rings?
Yes, pawn shops do accept silver jewellery, including rings and more. Though our minimum loan value is £500, the collection of jewellery would have to be valued at £750 to £800 to borrow £500.
Can you pawn wedding rings?
Yes, you can. Pawning a wedding ring in London or online is a discreet and private process, handled by our experienced team.
Can I pawn my engagement ring?
The most common items of jewellery that are used to secure a loan at Suttons and Robertsons pawnbrokers in Central London are rings. Of all the rings that are seen, the most common is the engagement ring. Engagement rings will typically be of higher value than other rings purchased, making them ideal for pawning.
Do pawn shops resize rings?
Yes, some pawn shops offer ring resizing, though we only provide this service for pre-owned rings purchased from our pawnbroker jewellery for sale collection.
Can you pawn a ring without papers?
Yes, you can usually pawn a ring without papers. For larger or higher-value diamonds, it is beneficial to have a recognised certificate, such as a GIA report, as it will enable us to offer you a higher loan. In some cases, we can assist in arranging certification before completing the loan with you.
What do you need to pawn a ring?
Usually, just the ring is needed, but bringing any receipts or certificates (e.g. GIA reports) can help increase your loan amount. All items and accessories are catalogued in our system and are kept completely safe for the duration of the loan.
Can you pawn a ring you found?
No, you cannot pawn a ring you have found. Pawning found jewellery is illegal, and we can only accept items that you legally own.
Can you pawn a broken necklace?
Yes, you can pawn a broken necklace with us. The valuation will usually be based on the precious metal and any gemstones it contains. If the piece is repairable or from a recognised designer, this may increase its value.
What is the pawn value of a diamond tennis bracelet?
The pawn value of a diamond tennis bracelet depends on factors such as the total carat weight, diamond quality (as determined by the 4 Cs), metal type, and brand.
Our Pawnbroking Loan Rates
Terms
All our loans are for 6 months and are secured against your valuables. Maximum APR (including all fees): 93.21%. Minimum and maximum repayment term of 6 months. These loans are redeemable at any point during the loan period. Only the loan amount and accrued monthly interest are payable if the loan is redeemed before the end of the loan term.
REPRESENTATIVE EXAMPLE
Loan amount of £1,000. Loan term of 6 months. Interest rate of 6.5% per month (fixed). Total interest of £390 over 6 months. Total repayable amount in one instalment is £1,390. Representative APR is 93.21% (including all fees).
Risk Warning: If the loan is not repaid, the assets may be sold.
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