A diamond ring isn’t just a symbol — it’s a valuable asset. Whether it’s a family heirloom, an engagement ring, or a designer piece, many clients are surprised to learn just how much borrowing power it can hold. At Beverly Loan, we offer discreet, asset-based loans using fine jewelry, including diamond rings, as collateral.

What Affects the Loan Value of a Diamond Ring?

While retail value gives a general idea, loan amounts are based on secondary market value and a number of specific factors:

• Carat weight

• Cut, clarity, and color

• Shape (round, princess, emerald, etc.)

• Setting and metal type

• Certification (GIA, EGL, etc.)

• Brand name or designer (e.g., Tiffany, Cartier)

The more documentation and detail you have, the better the potential loan terms.

Typical Loan-to-Value Ranges

Beverly Loan typically lends between 40% and 70% of a ring’s appraised resale value. For example:

• A 2.5-carat GIA-certified ring valued at $30,000 might qualify for a loan between $12,000 and $21,000, depending on overall quality and demand.

Fast, Private Appraisals

Appraisals are handled in private viewing rooms by jewelry professionals with decades of experience. Your ring never leaves the premises during evaluation, and there’s no obligation to accept the loan once terms are presented.

We respect the emotional value of every item, and handle each transaction with the care it deserves.

What Happens During the Loan Term?

• Term length: Typically 4–6 months

• Renewals: Available with interest-only payments

• Storage: Rings are securely housed in our on-site vault, fully insured

• Return: Once the loan and any interest are repaid, your ring is returned promptly

There is no impact to your credit, and the transaction is completely confidential.

Why Borrow Against a Ring Instead of Selling It?

Selling a ring can feel permanent — and often undervalues its worth. A loan allows you to:

• Keep ownership of a meaningful asset

• Access fast liquidity

• Make a temporary decision for a temporary need

It’s an option that preserves both emotional value and financial leverage.

Conclusion

Whether you need funds for a business opportunity, unexpected expense, or simply want to stay financially flexible, your diamond ring may be the key.
Contact Beverly Loan for a private appraisal and discover your borrowing power — without giving anything up.