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What We Lend Against

We make short term loans in Canada using the following assets as collateral. If you have one of these items, Zillidy can get you a loan quickly.

  • Luxury name brand watches
  • Gold/silver bars and coins
  • High end jewelry
  • Precious metals
  • Diamonds
  • Gold ornaments

Zillidy does not make loans against cars, trucks, or houses.

See Complete List


The Zillidy Advantage

Zillidy is a private Canadian specialty finance company that provides personal asset loans using jewelry, luxury watches, gold, diamonds and precious metals as collateral. Zillidy offers complimentary appraisals and shipping as well as a flexible loan repayment schedule and impeccable client service.

Using Zillidy is like having a home equity line of credit against your personal assets without ever impacting your credit score or selling your valuables.

We serve all Canadians, whether in large cities including Toronto, Vancouver, Montreal, Winnipeg, Calgary, Ottawa, Edmonton, Halifax and Hamilton as well as smaller communities such as Kitchener, Brampton, Mississauga, London, Guelph and Regina.

We’re changing the way short term loans in Canada work by ensuring you, the client, are always in control of the transaction.

  • Loans from $1,000 – $500,000.
  • Flexible loan terms.
  • Great for individuals and small business owners.
  • Transparent and simple pricing. No hidden fees.
  • Discretion guaranteed.
  • No credit checks. No financials. No income or employment verification. Never reported to credit agencies.
  • Amazing customer service.

About Zillidy

 The Globe and Mail

“Steven Uster didn’t set out to start an alternative financing company. When he was looking to buy a business in Canada, the former New York investment banker saw an opportunity to serve small firms having trouble getting loans.” 

Read The Globe and Mail Article



“It was the easiest thing I ever did. I didn’t need to liquidate the diamonds. I didn’t have to transfer ownership. It was just a loan with a guarantee, using the diamonds as collateral.” 

Read CFO Magazine Article



“I found it very flexible if you find yourself in a tight position” 

Read Toronto Star Article


Startup Roundup: $10M for Atlantic Canada venture fund, YYoga gets an app and Zillidy the online pawnbroker

“Zillidy is not just targeted at individuals in a jam but also small businesses and entrepreneurs who may need a quick capital injection to ramp up inventory ahead of a busy time” 

Read Financial Post Article


 Canadian Business

“The primary reason startups fail is a lack of money up front. The Zillidy platform takes that [reason] away.” 

Read Canadian Business Article


Zillidy: An unusual way to earn extra Christmas cash

“It’s more like an emergency repair kit than it is an ongoing form of funding and alternate forms of financing are always good for entrepreneurs.” says Steve Pulver, a professor of entrepreneurship at York University’s Schulich School of Business 

Read Toronto Star Article


How It Works


Step 1:

Tell us about your asset by filling in a quick form online. We’ll assess its value and send you a loan offer within 24 hours.

Step 2:

Ship your asset to Zillidy’s secure facility using a pre-paid Fedex shipping label. Shipping is free and fully insured at all times. Or, if you prefer, you can meet us in our office.

Step 3:

Once your asset arrives and is assessed, Zillidy will deposit the cash directly into your bank account immediately for your loan.