A collection of gold and silver jewelry pieces, including rings, necklaces, earrings, and bracelets, arranged on a plain white surface with negative space on the left.

Cash Loans

When you need extra cash, your jewellery can help. Our collateral-based loans are simple, discreet, and designed to make the process as stress-free as possible. With competitive interest rates and a friendly team to guide you, you can use your gold, diamonds, watches, or fine jewellery as collateral while keeping ownership of the pieces that matter to you.

Fast & Secure

Our experts will carefully evaluate your items on-the-spot and offer competitive rates. Assessment is free and there is no obligation!

No Credit Check

The amount of your loan is calculated based on the item(s) you offer as collateral, and your credit score is never affected.

Retain Ownership

Receive the cash that you need today, without selling your items. We keep them safe for you until you are ready to repay your loan.

A wide interior view of an H. Williams Jewellery store with multiple glass display cases, wood-look counters, wall shelves, and jewelry items on display. Upper James Mountain location.

Come in and see us!

We'd be happy to meet with you and discuss our collateral loan options, and answer any questions you may have. No appointment is required, but if you'd like to book ahead please use the appointment request form below.

Request an Appointment

Step 1. FILL OUT THE ONLINE RENEWAL FORM
Be sure to enter your correct email address. We will send your invoice to that address. We will be in touch within 1 business day regarding your inquiry. Keep an eye on your inbox, and your Junk Mail or Spam folder, just in case.


Step 2. PAY DIRECTLY VIA INTERAC E-TRANSFER
Your email invoice will contain the email to send your Interac e-Transfer© to. Our account will appear as R.H. Travis Inc. and auto-deposit is enabled and no password will be required. Please reference your ticket number(s) in the notes!


Step 3. RECEIVE YOUR RECEIPT AND E-TICKET VIA EMAIL
That's it! Once we've received your payment, we will contact you within 24 hours with your new e-ticket. Please note that your e-ticket is non-transferrable.
★★★★★

Best pawn shop in Hamilton great people to deal with. Been around for years and you can trust them with your stuff

- Jason L

★★★★★

Jessica N assisted me today. She was polite and professional. She took the time to carefully go through my items and was very diligent and respectful. I always receive the best service. Honest business, great employees.

- Haileigh W

★★★★★

I sold some old jewellery here, after getting ridiculous prices at pawn shops. They were fair, knowledgeable and took the time to explain things. I highly recommend!

- Tracy S

Cash Loans Terms and Conditions

You certify that you own this merchandise and have the right to pawn it.
Loan amortization: 12 months maximum.

Age of Majority: You must be 18 years of age to pledge, renew or redeem with H Williams Jewellery.

$5.00 letter fee: should your loan reach its maximum amortization, we are required by law to give you notice of impending due date. We will send a reminder notice 14 days prior to due date and charge is applied immediately.

Renewal option: You may renew your pledged item(s) at anytime between 1st-12th month. This is an especially attractive option should you reach the end of your term and you cannot pay the pledges principal plus accrued interest. H Williams will allow for you to pay the interest and fee’s portion only, thus renewing your pledge for an additional 12 month open term.

Example:
Pledged items principal: $200
12 months Interest and fees: $98

Client pays $98 and renews the pledge, retaining ownership of the pledged items. You may renew your pledge for an unlimited amount of terms. All renewals are subject to original interest rates and fee’s as stated above*

Transfer of pledge tickets: Physical tickets ARE transferable, e-tickets are NON-transferable.

If you have renewed your pledge online and have received our e-ticket, in order to redeem this pledge you must provide one piece of government- issued, photo identification.

Repairs to pledged items: Any and all repairs must be paid in full at the time of renewal or redemption. All repairs on pledges are subject to HST.

Consent: You give RH Travis, o/a H Williams Jewellery consent to send via email, request for money email transfers.