Unlock capital against your engagement ring without selling
An engagement ring can carry both financial and emotional value. It may be a significant piece of jewellery and something you do not want to permanently sell. Mega Cash Luxe Lending helps customers access capital against valuable engagement rings, wedding rings and diamond rings through a private, professional asset-backed lending process.
Rings We May Consider
Valuable engagement rings and diamond rings can represent significant value, especially when supported by quality diamonds, precious metals, certificates or valuations. Suitability depends on value, condition, documentation, metal type, stone quality, resale demand and overall lending suitability.
- —Engagement rings
- —Diamond rings
- —Wedding rings
- —Gold rings
- —Platinum rings
- —Designer rings
- —High-value bridal jewellery
- —Fine jewellery collections
Loan Range
$10K – $1M
Interest Rate
10 – 30%
Per month, subject to assessment
Funds Released
Same Day
After contract signing (pending bank transfer delay)
Storage
Insured & Secure
Fully insured, secure off-site storage for the duration of your loan.
Why Borrow
Keep the option to redeem a valuable piece
Selling an engagement ring can feel final. For many customers, the ring may carry personal, emotional and financial significance. Borrowing against the ring may allow you to access capital without making an immediate decision to sell it permanently.
- —Access capital without selling the ring outright
- —Avoid selling under pressure
- —Keep the option to redeem the ring later
- —Preserve ownership of a valuable piece of jewellery
- —Use the asset to solve a short-term liquidity need
How We Assess an Engagement Ring
What Affects the Value of Your Ring?
Diamond Quality
Carat weight, cut, colour and clarity are all assessed, along with any certificate or grading report.
Metal & Setting
Metal type and setting style contribute to the overall assessed value.
Brand & Condition
Designer or branded pieces and overall condition are factored into the valuation.
Documentation & Demand
An original receipt or valuation can help support the assessment, alongside market demand, resale value and recent comparable sales. Rings without full documentation may still be considered, subject to assessment.
Why Luxe
A private alternative to pawning an engagement ring
Many customers searching for where to pawn an engagement ring or pawn a diamond ring are really looking for a way to access capital quickly without permanently losing the jewellery. Mega Cash Luxe Lending provides a more private and premium alternative to a traditional pawn shop for customers with valuable rings and fine jewellery — respectful, discreet and asset-focused, with professional assessment and secure handling throughout. You keep the option to redeem your engagement ring once the loan is repaid.
Why Mega Cash Luxe Lending
A respectful private lending option
Unlike a generic finance process, we understand that some assets carry more than financial value. Jewellery can be personal, meaningful and difficult to replace. An engagement ring may be able to provide financial flexibility without requiring you to sell it outright.
Secure Handling
Your ring is treated with care
Private enquiries, respectful communication, careful handling, professional assessment, secure storage and a clear repayment and redemption process. Your ring is not treated like a generic item — it is assessed and handled as a valuable piece of jewellery.
How It Works
Submit Enquiry
Simply fill out the contact form or give us a call on 1300 145 229. We provide loans against items with a value between $10,000 and $1,000,000.
Private Appraisal
Once we've received your enquiry, we'll be in touch with a quote and a clear explanation of our fee structure. Interest rates range from 10–30% per month, depending on the item and individual circumstances.
Finalise Offer
After the loan amount is agreed, we'll arrange the exchange and issue the contract. Loans begin with an initial 3-month term, with interest charged monthly. Each monthly payment automatically extends the loan by one month. We retain possession of the goods in a secure location throughout the duration of the loan.
Receive Funds
Funds will be released either instantly or within 48 hours after the contract is signed, subject to the size of the loan.
Engagement Ring Loan FAQs
Need capital but don't want to sell your engagement ring?
Your engagement ring may be able to provide financial flexibility without requiring you to sell it outright. Speak with Mega Cash Luxe Lending for a private assessment.
Get Started
Contact Us
Complete the form and our team will be in touch. We offer loans secured against a broad range of items, with values from $10,000 to $1,000,000. Alternatively, call us directly on