Capital against what you already own.
Borrow against your luxury watch or fine jewelry with Vaultmark Lending. Asset-based loans with no credit check, full confidentiality, insured vault storage, and your piece returned the moment you repay.
Two specialties. Done properly.
We focus exclusively on watches and jewelry, so every appraisal is handled by specialists who know the market inside and out.
Watches
Loans against luxury, sports, and grand complication timepieces—modern or vintage, with or without box and papers. Appraised by specialists with real-time horological market expertise.
Jewelry
Loans against high-jewelry creations, certified loose diamonds, signed heritage pieces, and solid gold jewelry. Evaluated on precious metal purity, gemstone 4Cs, and premium maker provenance.
A better alternative to the pawn counter.
Four simple steps. Zero friction.
From complimentary appraisal to insured depository storage and immediate electronic wire transfer funding.
Submit details
Share photos and reference details of your watch or fine jewelry. Estimates are complimentary with zero obligation.
Receive loan offer
Our horology and jewelry appraisers evaluate your item and provide a clear, written loan offer detailing loan-to-value and terms.
Insured custody & funds
Accept the terms, ship your item insured or deliver via insured courier, and receive prompt electronic wire transfer funding.
Repay and reclaim
Repay according to your agreed schedule, and your piece is returned in the exact pristine condition as originally deposited.
Liquidity, without selling.
Retain ownership
Selling is permanent. A collateral loan gives you immediate liquidity while preserving your ownership and future appreciation.
Secure & insured
Your watch or jewelry is secured in high-grade vault facilities with comprehensive insurance coverage for the complete loan duration.
Confidential
No invasive credit bureau checks, no public auctions, and no retail counter exposure. Every interaction is strictly private.
Expert appraisal
Valuations are driven by current secondary resale market intelligence, condition, reference numbers, and authenticity verification.
Transparent terms
Loan-to-value, duration, interest rate, and total repayment costs are spelled out explicitly in writing before you commit.
Handled discreetly
Every step is handled on your schedule with full written documentation and direct access to your designated lending specialist.
Frequently asked questions
No. All loans through Vaultmark Lending are strictly asset-backed and secured by your luxury watch or fine jewelry. Because your piece serves as collateral, your credit score, credit inquiries, and credit history are never part of the evaluation.
Unlock immediate liquidity against what you already own.
No credit inquiries, no selling your family heirlooms, and zero public exposure. Access up to 80% loan-to-value with insured depository vault custody and your piece returned the moment you repay.