Diamond Loans
Confidential cash loans against loose diamonds and diamond jewelry, no credit check required.
How a Diamond Loan Works
You bring in your diamond, loose or set in jewelry, and our specialists evaluate it using the same 4 Cs jewelers use to grade any diamond: carat, cut, color, and clarity. Based on that evaluation, we offer a loan amount, and you receive cash immediately if you accept. Your diamond stays safely stored in our secured, insured facility until you repay the loan and reclaim it.
Loan Terms
- No credit check, your diamond secures the loan, not your credit history.
- Loans are written for a 4-month term, in compliance with California state law.
- Pay accrued interest to extend for another 4-month term, or pay interest and principal to redeem your diamond in full.
- If you choose not to extend or redeem, there’s no additional debt or credit consequence.
Prefer to sell instead? See our Sell Diamonds page.
Diamond Loan vs. Bank Loan
| Diamond Collateral Loan | Bank Personal Loan | |
|---|---|---|
| Credit check | None | Required |
| Approval time | Same day | Days to weeks |
| Income verification | Not required | Usually required |
| Credit impact | None | Hard inquiry, reported to bureaus |
| Collateral | Your diamond | Often unsecured, or requires other assets |
How Your Diamond Is Secured
Once your loan is funded, your diamond is logged into our secured, insured facility for the full duration of the loan. It’s never displayed for sale or otherwise used while your loan is active, and is returned to you the moment your loan is redeemed.
Diamond Loan Decision Guide
Use this quick guide to think through your options:
- Need cash but want the diamond back? A collateral loan lets you borrow now and redeem later.
- Don’t plan to keep the diamond? Selling outright gets you full value with nothing to repay. See our Sell Diamonds page.
- Not sure yet? Come in for both a loan quote and a purchase offer, there’s no obligation to choose either one on the spot.
For a full breakdown, see our Collateral Loan vs. Selling guide.
Frequently Asked Questions
How much can I borrow against my diamond?
Loan amounts depend on the diamond’s carat, cut, color, and clarity, as well as current market conditions. Bring it in for a free, no-obligation quote.
Do you need a GIA certificate for a diamond loan?
No, though it can help support a stronger loan value for larger stones.
Is my diamond safe during the loan?
Yes, it’s stored in our secured, insured facility for the full duration of the loan.
Can I borrow against a diamond that's set in a ring?
Yes, we evaluate diamonds both loose and set in jewelry.
What happens if I can't repay in 4 months?
You can pay just the accrued interest to extend the loan for another 4-month term, with no penalty.
Will a diamond loan affect my credit?
No, collateral loans do not involve a credit check and are never reported to credit bureaus.
How is a diamond loan different from a bank loan?
A diamond loan has no credit check, no income verification, and is typically funded the same day. A bank loan requires credit approval and can take days or weeks.
Is my diamond insured while it's used as collateral?
Yes, it’s held in our secured, insured facility for the full duration of the loan.
Can I get a loan on a diamond I inherited with no paperwork?
Yes, we evaluate inherited and undocumented diamonds the same way as any other, in person, on the spot.
What's the maximum I can borrow against a diamond?
Loan amounts depend on the diamond’s carat, cut, color, and clarity, along with current market value. Larger, higher-quality stones support higher loan amounts.
Can I make partial payments during my loan term?
Please contact us directly to discuss payment options during your loan term, our specialists can walk you through what’s available.