The Hidden Value in Your Jewelry Box
Fine jewelry, from diamond engagement rings to signed pieces by iconic designers, represents a significant store of wealth. Often, these items sit locked away, their value untapped. A jewelry collateral loan provides a smart way to access that value, providing you with immediate funds without having to sell items that may have deep sentimental importance.
Why Choose a Collateral Loan Over Selling?
Selling your jewelry is a final decision. A collateral loan is a flexible alternative. It allows you to address your financial needs while retaining ownership of your valuables. Once the loan is repaid, your items are returned to you in the same condition you left them. The process is confidential, fast, and has no impact on your credit history, making it a superior choice for many individuals in Los Angeles.
The 4 Cs and Beyond: How Jewelry is Valued
The value of a piece of jewelry is determined by several factors. For diamonds, we analyze the Four Cs: Cut, Color, Clarity, and Carat weight. However, our appraisal goes further. We also assess the quality of the metal, the craftsmanship of the piece, and its overall condition. For signed pieces from houses like Cartier, Van Cleef & Arpels, or Tiffany & Co., the brand name and provenance can add a significant premium to the value. Explore some of these magnificent pieces in our feature on Cartier’s high jewelry collections.
The Loan Process: What to Expect
Our process is designed to be transparent and respectful. You’ll meet with one of our GIA-trained gemologists who will evaluate your jewelry in front of you. We’ll explain how we arrived at the valuation and present you with a loan offer. If you choose to proceed, you can leave with your funds in hand. To get started, learn more about our jewelry collateral loans.
Frequently Asked Questions
How do you determine the value of my jewelry?
Our GIA gemologists use industry-standard tools and the latest market data to assess the quality of the gems and precious metals, as well as any brand value, to determine the highest possible loan amount.
Is my jewelry safe with you?
Yes. Your jewelry is fully insured and stored in our high-security vaults for the entire loan term.
What are the interest rates for a jewelry loan?
Rates are competitive and regulated. We provide a clear, upfront schedule of all costs associated with your loan.