Asset Based Lending

You can secure a loan of up to £50,000 with an asset-based loan from Est1897. We lend against all types of jewellery and watches, regardless of age and condition. Our staff are experts in the field and will provide you the best valuations on your assets with great service as standard.

How does it work?

  1. Bring your item(s) into one of our sister company H&T Pawnbrokers' stores. Alternatively, you can complete the online valuation.
  2. In store, our team will check authenticity and/or carry out a simple test on your items to confirm the value.
  3. You will go through the terms and conditions of the pawnbroking loan with our staff, whether in-store or on the phone and, if you’re happy with them, you sign your contract.
  4. If you’re in store, you can walk away with your money on the same day. If you went through the online or postal process, we will send you the money via bank transfer.

As well as our asset-based finance, you may also be interested in our gold purchasing and watch buying services, which can give you cash for your items.

Our rates of interest

The rate of interest depends on the value of the loan.

Loan Amount & Monthly Interest








REPRESENTATIVE EXAMPLE: Total amount of credit: £250 for 6 months. Total amount payable: £399.85 in one repayment of £399.85. Interest rate 119.9 % pa(fixed) Representative 155.8 %APR

Asset based loans - Get your quote today! 

EST1897, H&T Finance, H&T Asset Finance and H&T Pawnbrokers are trading names of Harvey & Thompson Limited Registered in England and Wales No. 02636684 and VAT number 840 14 89 39. Registered office: Times House, Throwley Way, Sutton, Surrey SM1 4AF Authorised and Regulated by the Financial Conduct Authority for Consumer Credit. Our Firm Reference Number is 677994 and we can be found on the Financial Services Register. Members of the NPA (member no.000351), CCTA (member no.CCTA501), and CSA (member no.845).