Secured Collateral Loans

Cash Loans from $1 to $100,000 on Gold and Diamond Jewelry

If you need cash fast, come to the Provident Loan Society. For over 100 years, New Yorkers have come to us as a welcome alternative to the high interest rates and fees of traditional pawnshops.

We’re a not-for-profit lending organization that provides secured collateral loans for gold and diamond jewelry, gold coins, fine watches, and silverware, at interest rates comparable to those of many credit cards.

Better Than a Pawnshop
In New York, traditional pawnshops charge a 48% interest rate. Ours is only 26%. Our handling fees are lower, as well. Plus, we give you up to six months to pay the loan off, and we offer a grace period.

Our process is quite simple, too. Bring your collateral items to one of our five New York City offices. Tell us how much money you need (up to $100,000) and when you want to pay it back. We’ll then appraise your items onsite and give you the cash on-the-spot. It’s that easy! The process typically takes about 20 minutes to complete.

Why It Pays to Go to Provident

  • Instant cash up to $100,000
  • NO credit checks
  • NO installment payments
  • Lower interest rates and fees
  • Longer loan terms and grace periods
  • Reduce/redeem your loan at any time during the repayment period
  • Refer a Friend cash reward program


To get started on your secured collateral loan, visit one of our New York City locations, call us toll-free at 1-800-PLS-PAWN (1-800-757-7296), or click the button below to fill out our easy loan application. We also offer loans by mail to all 50 states.

Apply for a Loan

Have questions on what you should ask before taking a collateral loan? Download our inclusive guide Questions to ask your pawnbroker.

The Provident Loan Society. Pawning Redefined.

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