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At The Provident Loan Society, we understand the challenges people face when they need to get money quickly. If bad credit makes other lending options impossible, our jewelry collateral loans provide a fast, secure, and less expensive way to get the cash you need—instantly and with no credit check required!

Please note that the quote you receive is ONLY an estimate. All loan amounts can only be approved by an actual physical inspection of the item(s) at one of our 5 branches in NYC or sent to us via mail.

The Provident Loan Society makes gold and jewelry loans locally and by mail to customers in the 50 United States.
Call Toll Free 1-800-757-7296 or submit the form below for a fast response to your loan request. –>
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Any Loan Requests submitted via email will be viewed and processed on the next business day. If you need immediate assistance please call 1-800-757-7296 [Ext. 104] during business hours: 9 AM – 4 PM [EST] | Monday – Friday.


Q: What are the advantages of a Provident Loan Society “Jewelry Collateral Loan” compared to other pawnshops?
A: There are many advantages to taking out a collateral loan with us:

  1. We allow our customers to borrow up to $100,000.
  2. Because we are a Not-For-Profit, we are able to give our customers lower fees and interest rates than our For-Profit competitors.
  3. There are NO installment payments, and ALL fees are disclosed, to you, when taking out a loan.
  4. There are no required payments for up to six months.
  5. We calculate your loans interest Daily as opposed to Monthly.
  6. If you can’t pay back your loan in 6 months, and need a little extra time we can help you with a “Grace Period”.

Q: I don’t have very good credit. Can I still take out a loan with you?
A: Yes! At Provident Loan, anyone can take out a loan with us regardless of their credit score.

Q: What are you going to do with my contact information?
A: Absolutely nothing! Provident Loan never shares or sells any of the information that you provide us.

Q: What type of collateral does Provident Loan accept?
A: Gold and diamond jewelry, fine Swiss watches, gold coins and ingots, silverware (sterling silver, not silver plated), and loose diamonds (.50 CT or above). We do not accept silver jewelry unless item is manufactured by brand names. (i.e. Tiffany, Cartier, or similar.)

Q: Why did the quote I received change when I brought/sent the item in?
A: The quote we give you from this form is based on the accuracy of the information you supply. Our Appraisers make a full assessment when we have the item in front of us — it is possible that you can receive a higher loan amount.

Q: What do you mean by “Daily Interest”?
A: Our interest rates are calculated by the amount of days you have a loan with us, as opposed to our For-Profit competitors who calculate interest by the month. In short, if you pay back your loan in 38 day, we calculate your interest for 38 days; where a For-Profit pawnshop will probably charge you for 2 months of interest.

Q: How does your “Grace Period” work?
A: At The Provident Loan Society, we want you to keep your valuables. If you have trouble making a payment? At the end of the six-month loan period, you can contact us and we will do our best to assist you in extending your time.

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