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.
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.