Your jewelry is more than an accessory — it’s a tangible asset that can be converted into immediate capital without being sold. Beverly Loan Company has provided expert jewelry loans in Beverly Hills since 1938, offering GIA-certified appraisals, same-day funding, and the complete discretion that high-net-worth clients expect.
This guide covers everything you need to know about jewelry loans: how they work, how your pieces are valued, what to expect from the process, and why Beverly Hills’ most established luxury lender is the right choice.
What Is a Jewelry Loan?
A jewelry loan is a collateral-based loan in which your jewelry serves as security. You bring in your pieces, our GIA-certified gemologists assess their value, and we offer you a loan. You keep the loan proceeds. When you repay — with interest — your jewelry is returned in the same condition it arrived.
There is no credit check. There is no income verification. There is no lengthy approval process. The value of your jewelry determines what you can borrow — nothing else.
Jewelry Loan vs. Selling: Why Borrowing Protects You
Selling jewelry — especially heirloom, designer, or investment-grade pieces — is often a decision made under financial pressure that clients later regret. A loan gives you access to cash while keeping the door open to reclaiming your piece. If the market for a particular stone or designer brand rises, you benefit because you retained ownership.
What Jewelry Qualifies for a Loan?
Beverly Loan Company accepts a wide range of fine jewelry and gemstone pieces:
Diamonds
Diamonds are our most common collateral. We accept loose diamonds, diamond rings, diamond necklaces, bracelets, and earrings. GIA, AGS, IGI, and EGL certificates significantly increase loan values. Our diamond loan specialists assess all four Cs — cut, color, clarity, and carat weight — with scientific precision.
Designer Jewelry
Signed pieces from recognized luxury houses command premium loan values. We specialize in Cartier, Tiffany & Co., Van Cleef & Arpels, Bulgari, Harry Winston, Chopard, Graff, and David Yurman. Original boxes, receipts, and certificates of authenticity increase loan offers significantly.
Gold and Precious Metal Jewelry
Gold jewelry — yellow gold, white gold, and rose gold in all karats — is accepted for loans. We also finance platinum jewelry and pieces set with precious metals. Our gold jewelry loan process includes electronic testing for purity and same-day cash offers.
Colored Gemstones
Fine rubies, sapphires, emeralds, alexandrites, and other precious colored stones can serve as exceptional collateral — particularly when accompanied by GIA, AGL, or Gübelin laboratory reports. Origin-certified stones (Burma ruby, Kashmir sapphire, Colombian emerald) command the highest values.
Estate and Vintage Jewelry
Antique, Art Deco, Victorian, and Edwardian pieces are a specialty. Our gemologists understand period hallmarks, construction techniques, and collector demand for estate pieces. We evaluate inherited jewelry even without original appraisals or documentation.
Engagement Rings and Wedding Jewelry
We regularly provide loans against engagement rings and fine wedding jewelry. Whether you need short-term liquidity or are navigating a life transition, we handle these consultations with complete sensitivity and discretion.
How Is Jewelry Valued for a Loan?
Our GIA-certified gemologists use professional-grade equipment and deep market knowledge to assess every piece. Valuation factors include:
Diamond Grading: The 4 Cs
Carat weight is the most directly measurable factor — heavier diamonds are exponentially more valuable. Cut quality affects brilliance and desirability; Excellent and Ideal cuts command premiums. Color is graded D (colorless) through Z; D–F grades are most valuable. Clarity ranges from Flawless to I3; eye-clean grades (VS2 and above) are most marketable. We evaluate all four with precision instruments, not estimates.
Designer Premium
A Cartier Love bracelet in 18k gold is worth dramatically more as a Cartier piece than as raw gold. Signed jewelry retains brand value above and beyond intrinsic material value — a nuance that general pawnbrokers often ignore and dramatically undervalue.
Metal Content
Gold is tested electronically for purity (10k, 14k, 18k, 22k, 24k). Platinum is tested separately. Current spot prices are applied to metal weight, then design and craftsmanship premiums are added for artisan pieces.
Laboratory Certification
A GIA diamond grading report can increase a stone’s loan value by 20–35% over an uncertified stone of equivalent quality — because it provides objective, universally recognized documentation that reduces risk. AGS, AGL, Gübelin, and SSEF reports are also highly valued.
Market Conditions
We monitor current auction results, dealer markets, and retail pricing to ensure loan offers reflect true market value — not outdated price guides. Designer piece values in particular fluctuate with brand positioning and auction results.
The Jewelry Loan Process
- Contact us — Call, email, or submit our online form. Walk-ins welcome at 469 N. Canon Drive, Beverly Hills.
- Bring your jewelry — Bring the pieces you want to use as collateral, plus any documentation (GIA reports, original boxes, receipts, prior appraisals).
- Professional evaluation — Our GIA-certified gemologists evaluate each piece in-house. Most appraisals are completed within 30–60 minutes.
- Written offer — We present a written loan offer with clear terms. No obligation to accept.
- Fund same day — If you accept, the loan paperwork is completed immediately. You receive cash or wire transfer the same day.
- Secure storage — Your jewelry is catalogued, photographed, and stored in our insured, climate-controlled vault.
- Reclaim on repayment — Repay the loan at any time. Your jewelry is returned immediately, in the same condition.
Loan Terms and Rates
Beverly Loan Company operates as a licensed California pawnbroker under the California Business and Professions Code. All loan terms are disclosed in writing before signing:
- Loan duration: 4-month initial term
- Interest rates: Per California pawnbroker regulations (disclosed at loan signing)
- Early repayment: No prepayment penalties
- Extensions: Available — contact us before your due date
- No hidden fees — All costs disclosed upfront
Jewelry Security and Insurance
Every piece in our custody is treated as if it were our own. Your jewelry is held in a commercial-grade, climate-controlled vault covered by our insurance policy. Each item is photographed and catalogued upon receipt. Your jewelry is never displayed, worn, or removed from secure storage during the loan period.
Beverly Loan Company has maintained an unblemished reputation for the care of client assets since 1938. Our track record speaks for itself.
Why Beverly Loan Company for Jewelry Loans?
- GIA-certified gemologists on staff — Not general appraisers, but credentialed diamond and gemstone specialists
- Founded 1938 — The most experienced luxury lender in Beverly Hills
- Same-day funding — Cash or wire in hand the same day you walk in
- No credit check — Your jewelry qualifies the loan, not your credit score
- A+ BBB Rating — Consistently highest ratings for client trust
- Licensed California Pawnbroker — Fully regulated and compliant
- Insured storage — Your pieces are protected throughout the loan
- Complete discretion — We serve Beverly Hills, Bel Air, Malibu, and LA’s most privacy-conscious clients
Frequently Asked Questions
How much can I borrow against my jewelry?
Loan values depend on the piece, its condition, certification, and current market conditions. Diamonds, designer pieces, and fine colored stones typically support loans of 50–70% of current secondary market value. Contact us for a free, no-obligation valuation.
How are diamonds valued for loans?
Diamonds are evaluated using the 4 Cs — carat, cut, color, and clarity — plus certification status. GIA-certified stones command higher loan values. Our gemologists use professional equipment, not estimates, to grade each stone.
What jewelry qualifies for loans?
We accept diamonds, designer jewelry (Cartier, Tiffany, Van Cleef, etc.), gold and platinum jewelry, colored gemstones with laboratory reports, and estate jewelry. If it has recognized market value, we’ll evaluate it.
Is my jewelry insured during the loan?
Yes. All jewelry in our custody is covered by our commercial insurance policy and stored in a secure, climate-controlled vault. Your pieces are photographed and catalogued upon receipt.
What’s the difference between selling and pawning jewelry?
Selling is permanent — you transfer ownership in exchange for cash. Pawning is a loan — you receive cash, the jewelry is held as collateral, and you reclaim it when you repay. A loan preserves ownership and lets you benefit if the piece’s value increases.
Do I need a GIA certificate to get a loan?
No. We evaluate uncertified diamonds and jewelry — our gemologists can assess stones independently. However, a GIA or equivalent certificate can increase your loan offer by 20–35%, so bringing any documentation you have is always recommended.
Can I get a loan on inherited jewelry without appraisals?
Yes. We regularly evaluate estate and inherited pieces without prior appraisals. Bring any documentation you have — hallmarks, boxes, receipts — and our gemologists will assess the piece on its own merits.
Get Your Free Jewelry Valuation
Beverly Loan Company serves jewelry owners across Beverly Hills, Los Angeles, West Hollywood, Century City, Bel Air, Santa Monica, and greater Southern California. Whether you’re looking for liquidity, navigating an estate, or simply want to understand what your pieces are worth, our GIA-certified team is here to help.
Start your confidential jewelry loan application or visit us at 469 N. Canon Drive, Beverly Hills. Same-day appointments available.
All loans subject to appraisal. Beverly Loan Company is a licensed California pawnbroker. Loans subject to California pawnbroker regulations.