How It Works

person using phone to call pawnbrokers about loaning against assets

Are you interested in getting a loan against your luxury assets? At Elite Pawnbrokers, we make it easy. Simply read on to discover how our process works. If you have any questions, just give us a call at 0508 273 554, and our friendly team will be more than happy to help.

Collateral Loans

We are licensed pawnbrokers based in Tauranga, offering short-term loans against personal items of value without the need for credit checks.

We specialise in Collateral Loans, which are also known as Asset or Capital Loans. These are short term loans, secured against a valuable that you pledge to a lender as backup for your loan. If you fail to repay the debt on time, the lender takes over the asset, which is usually sold to get the lender’s money back.

If you’ve got poor credit, pledging collateral can be a good option for improving your chances of getting accepted for a loan. Collateral Loans sometimes offer lower interest rates, which saves you money in the long run.

What Assets Do We Loan Against And Buy?

The team at Elite Pawnbrokers accepts a wide range of assets, including Gold and Silver Bullion or Scrap, Jewellery, Watches, Art, Antiques, Gemstones, and Collectables.

If you need to raise cash fast but cannot get a short term loan from your bank, or don’t want to sell your valuables, we can help. Call us at 0508 273 554 to arrange an assessment of your items, and receive a cash loan offer based on their value.

Applying For A Loan

We make it easy to apply for a loan from the comfort of your own home. Simply apply online, by phone at 0508 273 554, or by email at

Upon receiving your enquiry, the team at Elite Pawnbrokers will contact you. We recommend that you book an appointment for a home appraisal of your valuables. Depending on the asset you wish to pledge as collateral, we can make you a loan offer in as little as 24 hours.

Once your offer is accepted and our due diligence checks are completed, we’ll transfer the funds directly to your bank account. We will sign the loan contract and move your assets into secure storage, where they will remain during the entirety of the loan period.


You can retrieve your loaned items once payment of your loan plus accrued interest is complete. This can occur at any time throughout the term of your contract. All contracts can be renewed or extended at the end of the contract term, once the interest accrued through the original term has been fully repaid.

Eligibility Criteria And ID Requirements

You must be 18 and over to sell or loan assets with Elite Pawnbrokers Tauranga. We also require, by law, that all new clients provide one form of government-issued Photo ID (for example, your Driver’s License, Passport, or 18+ Card) and proof of current address no less than three months old.

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