How Card Pawning Works
A fully online, fully transparent process to unlock instant cash from your card collection — without selling a single card.
From Application to Cash in Your Account
Our entire process is designed to be simple, fast, and collector-friendly.
Submit Your Cards Online
Visit our secure application form and fill in the details of the cards you wish to pawn. We'll need: card name and year, sport or TCG, grading service and grade (or raw condition), and clear photos of front, back, and any labels. You can submit anywhere from 1 card to an entire collection.
Expert Appraisal in Under 2 Hours
Our in-house team of PSA-certified card specialists reviews your submission and cross-references current market data from PSA Population Reports, eBay sold listings, PWCC auction results, and collector forums. We aim to offer you the fairest loan-to-value ratio in Canada — typically 50–70% of current market value.
Review & Accept Your Offer
You'll receive a detailed loan offer via email that clearly outlines: your loan amount, the monthly interest/holding fee (expressed as a flat rate), the loan term (default 90 days, renewable), and our storage and insurance details. There is zero obligation to accept.
Secure Insured Shipping
Once you accept, we email you a prepaid shipping label with built-in insurance coverage up to $50,000. For collections over $50K, we arrange specialized courier pickup and coverage. Pack your cards as instructed in our safe shipping guide and drop them off at any Canada Post location.
Same-Day Cash
When your cards arrive, our team verifies condition and identity (30–60 minutes). Cash is then wired directly to your Canadian bank account — on the same business day. You'll receive a digital receipt and vaulting confirmation with photos.
Repay Anytime, Get Cards Back Within 24 Hours
When you're ready to reclaim your cards, log into your account, pay the outstanding balance, and we'll ship your cards back with full tracking and insurance within 24 business hours. Simple.
What to Expect: Loan Terms at a Glance
| Feature | Details |
|---|---|
| Minimum Loan | $500 CAD |
| Maximum Loan | No cap (based on collateral value) |
| Loan-to-Value Ratio | 50–70% of appraised card value |
| Monthly Fee | Starting at 3.5% of loan amount |
| Standard Term | 90 days (renewable) |
| Early Repayment | Always allowed — no penalty |
| Credit Check | Never |
| Insurance | Included — up to $50,000 per shipment |
| Storage | Climate-controlled, CCTV-monitored vault |
| Funding Speed | Same business day (after card receipt) |
How We Protect Your Collection
Specialist Collectibles Insurance
Every card in our care is covered by a comprehensive collectibles insurance policy — not generic warehouse insurance. Your Gretzky PSA 10 is treated accordingly.
Climate-Controlled Vault
Our secure facility maintains optimal temperature and humidity 24/7. Cards are stored in archival sleeves and cases, never loose or stacked.
Full Photographic Record
Every card is photographed upon arrival and before return. You have a permanent record of your card's condition throughout its time in our vault.