Can I borrow against jewelry without selling it?

Yes — that's the whole idea. Selling jewelry means losing it, usually for far less than it's worth. MarketLoan is being built so you can borrow against it, keep ownership, and get the exact piece back when you repay.

Do I need a certificate or appraisal?

A grading certificate (like a GIA report) or a recent appraisal helps confirm quality and supports a stronger valuation, but the independent valuation is done as part of your request. Receipts and documentation help too.

What happens to my jewelry if I can't repay?

If a loan isn't repaid, the jewelry is sold to cover it — a consequence disclosed clearly before you accept any offer. As long as you repay on the agreed schedule, the exact piece is returned to you.

Fine jewelry

Borrow against your fine jewelry

Yes. You can borrow against fine jewelry without selling it. MarketLoan is being built so a piece you own is professionally valued, held in insured custody, and returned to you when you repay. You keep ownership — you're just borrowing against the value, not letting it go for a lowball offer.

Join the waitlist See how it works

How it's valued

Fine jewelry is valued by independent, insured professionals who look at the stones, the metal, the craftsmanship, and the condition. A grading certificate — for example from the GIA — helps confirm quality. The independent valuation, not a store's counter-offer, is what your loan offer is based on.

How it's held in custody

Your jewelry is shipped insured and held by a professional custody partner in insured storage for the life of the loan. It's tracked and protected the entire time, and returned to you when you repay.

How the loan is secured

Every loan is secured by the asset you pledge and by a UCC-1 lien — a public notice that records the lender's claim on that specific item — filed when your loan agreement is accepted.

Loans on MarketLoan are funded by verified accredited investors; you don't deal with them directly.

If a loan isn't repaid, the asset is sold to cover it — a consequence you'll see clearly disclosed before you accept any offer.

Fine jewelry loan FAQ

Can I borrow against jewelry without selling it?: Yes — that's the whole idea. Selling jewelry means losing it, usually for far less than it's worth. MarketLoan is being built so you can borrow against it, keep ownership, and get the exact piece back when you repay.
Do I need a certificate or appraisal?: A grading certificate (like a GIA report) or a recent appraisal helps confirm quality and supports a stronger valuation, but the independent valuation is done as part of your request. Receipts and documentation help too.
What happens to my jewelry if I can't repay?: If a loan isn't repaid, the jewelry is sold to cover it — a consequence disclosed clearly before you accept any offer. As long as you repay on the agreed schedule, the exact piece is returned to you.

Other assets you can borrow against

How borrowing against your assets works See the full step-by-step process See all assets you can borrow against

Get notified when borrowing opens

MarketLoan is in development. You can't borrow yet — join the waitlist and we'll let you know the moment borrowing opens.

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