Loans Secured By Your Designer Jewelry

A Jewelry Equity Loan allows you to unlock the value of your fine jewelry or luxury watch without selling it.

The process is simple and secure: we evaluate your item and provide a loan amount based on its current market value. You receive immediate funding, while your jewelry is safely stored in our fully insured, high-security vault for the duration of the loan. Each loan operates on a 30-day cycle, and you can keep it active for as long as needed by making your monthly interest payment. No income requirements and no penalties for paying the loan off early.

Once the loan is repaid and the funds have cleared our account, your item is returned to you either by appointment at one of our offices or via fully insured, expedited shipping if you used our mail-in service. This structure gives you fast, flexible access to liquidity while preserving ownership of your jewelry.

Diamond Banc regularly makes loans from $500-$250,000+ secured by fine jewelry, diamonds, and watches. Our loan offers are based on the liquid value of your item.

Absolutely—when done the right way, a Jewelry Equity Loan can be one of the smartest and most flexible financial tools available.

At Diamond Banc, we’ve built our entire business around helping clients maximize the value of their fine jewelry and luxury timepieces without sacrificing ownership. A Jewelry Equity Loan allows you to unlock immediate liquidity from assets you already own, while still preserving the long-term value and sentimental significance of those pieces.

At Diamond Banc, your offer amount is the same whether you choose to sell your jewelry or use it to secure a Jewelry Equity Loan. We believe in complete transparency, and keeping both offers identical ensures you can choose the option that best fits your needs without feeling pressured to sell or take a loan. This allows you to make the decision that aligns with your goals—whether you want to access immediate funds while retaining ownership of your piece or prefer a simple, final sale. Our priority is providing clear, fair options so you can move forward with total confidence.

At Diamond Banc, we’re known for providing fast, efficient, and hassle-free funding, because when you need liquidity, time matters.

Most Jewelry Equity Loans are funded within 24 hours from the time your items are evaluated and the loan terms are accepted.

No—a Jewelry Equity Loan with Diamond Banc will not affect your credit score in any way.

Because your jewelry secures the loan, there’s no hard inquiry on your credit report, and no impact on your credit history—positive or negative. A Jewelry Equity Loan is one of the most discreet and low-impact financial tools available. You get the liquidity you need—quickly and privately—without any long-term effect on your financial record.

There is absolutely no obligation to accept a loan offer from Diamond Banc. We understand that every client’s situation is unique, and we want you to make the decision that feels right for you—without pressure, fees, or expectations.

No Cost, No Commitment: Whether your item was evaluated in person or through our secure mail-in process, declining the offer is completely free. You will not be charged any fees for the evaluation.

Your Jewelry Is Returned Immediately: If your item was mailed in, we will ship it back to you fully insured and at no cost, typically the same business day you decline the offer.

Your Options Remain Open: You’re welcome to revisit the offer at any time. Market conditions change, and so do individual circumstances—there’s never any pressure to decide right away.

During your loan term, your jewelry is protected with the highest level of security and care. Every item is housed in a bank-level, high-security vault and is fully insured from the moment it enters our possession until it is safely returned to you. Your piece is individually sealed, documented, and stored in a climate-controlled environment to ensure it remains in the exact same condition as when it was received. We never wear, display, or use your jewelry while it is in our care. Our goal is to provide complete peace of mind throughout the entire loan process, knowing your valuables are safe, secure, and treated with the utmost respect.

Once your loan has been fully repaid and the funds have cleared our account, you can retrieve your item. For in-office transactions, we’ll schedule a secure appointment for you to pick up your jewelry. If you used our mail-in service, we will ship your item back to you immediately after your payoff clears. Your jewelry is returned via fully insured, expedited delivery at no cost to you, ensuring a safe and seamless return process no matter where you are located.

Diamond Banc loans are designed to be flexible so you can repay them on a timeline that works best for you. Our Jewelry Equity Loans are structured on a 30-day cycle, but you can continue the loan for as long as you need by simply making your monthly interest payment. There is no maximum loan term, no penalties for early payoff, and no obligation to keep the loan active beyond what serves your needs. Whether you want short-term liquidity or prefer to extend the loan over a longer period, you have complete control over how long your loan remains open.

Diamond Banc loans are structured on a simple 30-day cycle, which means you make a monthly interest payment to keep the loan active. These payments allow you to extend the loan for as long as you need, with no penalties for early payoff and no required minimum loan duration. If you prefer to pay off the full balance at any time, you’re welcome to do so—there’s never a prepayment fee. Our goal is to provide flexibility, allowing you to manage the loan in the way that best fits your financial needs.