Loans Secured By Your Jewelry
Experience a smarter way to get a loan secured by your jewelry. Our expert team personally evaluates every piece submitted to ensure you receive exceptional value and service.
Tell us about your item, include a few photos, and one of our experts will reach out shortly.
Have questions? Message our team now.
National Headquarters, Columbia, MO
1-573-875-2265
kyle@diamondbanc.com
Book Appointment
National Headquarters, Sarasota, FL
573-875-2265
info@diamondbanc.com
Book Appointment
National Headquarters, Columbia, MO
1-573-875-2265
kyle@diamondbanc.com
Book Appointment
National Headquarters, Sarasota, FL
573-875-2265
info@diamondbanc.com
Book Appointment
Mills MenserOwner and Founder
“After watching countless videos on YouTube, I reached out to Diamond Banc and was introduced to Jordan. He made the process seamless and simple and answered all of my questions. The entire process, from initial contact to securing a loan took less than 48 hours.
-Sebastian C.
I am very impressed with their process and level of customer service and highly recommend them to anyone needing to access their jewelry’s equity. Thank you again!”
How it Works
- Request a quote
- Visit an office or request a label
- Receive your offer and funding within 24 hours
FAQs
How Does a Jewelry Equity Loan Transaction Work?
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.
What is The Minimum & Maximum Amount of Money I Can Get?
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.
Is Getting a Loan Secured by My Jewelry Worth It?
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.
Will My Offer Be Higher if I Sell My Jewelry?
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.
How Long Does It Take To Fund The Transaction?
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.
Will A Jewelry Equity Loan Affect My Credit Score?
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.
What If I Don’t Accept the Loan Offer?
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.
How Is My Item Stored During the Duration of My Loan?
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 the Loan Is Paid Off, How Do I Get My Item Back?
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.
How Long Do I Have to Make Payments on a Diamond Banc Loan?
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.
Do I Have to Make Monthly Payments?
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.
From The Founder
Our Offices Nationwide
Diamond Banc operates in key cities across the U.S., making it easy to access trusted jewelry selling and loan services near you.
premier provider of Loans Secured By Your Jewelry
Our jewelry evaluation process is straightforward and stress-free. Simply fill out the submission form above, and our team will provide an initial offer within 24 hours. If you’re satisfied with the offer, we’ll arrange for fully-insured overnight shipping to our headquarters.
Once your items reach us, our team verifies them and presents the final loan offer. Upon acceptance, we finalize the loan documents via email, and you receive funding promptly via wire transfer or check. Typically, the entire process takes less than 48 hours from form submission.
For those seeking same-day funding, visit a nearby Diamond Banc location to meet with one of our market directors. Your items will be evaluated onsite, and funding will be issued immediately. Experience efficient service with Diamond Banc, ensuring quick access to the funds you need.
Why Choose Us: Our Competitive Advantage
When searching for “jewelry loans near me”, it’s clear why Diamond Banc emerges as the superior choice. Our commitment to excellence, personalized service, and unmatched expertise. Here’s what makes use the leading provider in the jewelry loan industry:
Unmatched Precision and Expertise: Our team brings decades of experience to the table ensuring your valuable items are evaluated with the utmost accuracy. Backed by this expertise, we guarantee you receive fair and competitive offers, cementing our status as the premier choice in the market for addressing your needs and surpassing your expectations.
Streamlined, Hassle-Free Process: We’ve refined our loan process to be as straightforward and efficient as possible. From your initial submission to when we finalize your loan, we aim to make the experience smooth, providing you with the support you need, efficiently and effectively.
Trust and Transparency: Diamond Banc operates on a principle of honesty. We commit to transparent, clear terms and uphold the highest standards of security for both your valuables and personal information, fostering a trust-driven relationship with our clients.
Flexible Solutions: We understand that your search for “jewelry loans near me” is driven by unique financial needs. Whether you’re leveraging the value of diamonds, fine jewelry, or luxury watches, we provide personalized options to meet those needs, without the pressure of selling your items.
With expert evaluations, a streamlined process, trust-driven interactions, and flexible solutions tailored to your unique financial needs, we ensure a seamless experience without the pressure of parting with your items.
Items We Accept Include:
- Get A Loan Secured By Your Fine Jewelry
You can choose the most popular option in which you take a loan against gold jewelry or any other jewelry. You will receive the best deal without actually selling the jewelry. But for a jewelry loan, your precious items should belong to a high-value category. We accept designer pieces by Tiffany & Co., Cartier, David Yurman, Graff, Harry Winston, and high-value fine jewelry of any type. - Get A Loan Secured By Your Engagement Ring
It’s true that engagement rings hold sentimental value, but there is no use in letting them sit idle if you are in sheer need of cash. With Diamond Banc, you are not bidding goodbye to your engagement ring forever. We accept diamond engagement rings, wedding bands, complete wedding sets, etc. - Get A Loan Secured By Diamonds
You can also get the best deal for a loan against loose diamonds. After requesting a quote, you can send the loose diamond for evaluation.
Individual diamonds of 0.5ct or larger. Certified or un-certified. Receive a free evaluation for your diamonds. - Get A Loan Secured By Your Luxury Watch
In addition to a loan on gold jewelry and engagement rings, we can also offer a loan on watches. Our loan on watches offering can be availed if you have the watch in good condition and all the paperwork. Along with this, your watch should belong to a premium brand like Rolex, Cartier, Patek Philippe, Omega, etc. - Get A Loan Secured By Your Designer Handbag
If you have handbags belonging to the premium category brands then you can get a loan against them as well. We accept designer handbag loans from Hermes, Chanel, Louis Vuitton, Prada, etc. - Get A Loan Secured By Your Gold & Silver
We also offer loans against coins or bullion.
When you own luxury jewelry, diamonds, or a Rolex watch, you possess an asset that can be converted into immediate funds. With Diamond Banc, we offer an unrivaled menu of liquidity options to help you unlock the value your items possess. Whether you choose to get a Jewelry Equity Loan and borrow against the value of your items or you opt to sell your jewelry outright, our expert team has the knowledge base & resources to pay industry-leading prices for your jewelry. Our nationwide team of industry experts has decades of experience in the jewelry industry, allowing us to offer industry-leading loan values at highly competitive rates. We take every value-adding factor into consideration to make sure you receive the most for your items.
Loans Secured By Diamonds, Fine Jewelry, & Watches
If you’re hesitant to part with your jewelry, but you have immediate financial requirements, there is a solution. You can elect to get a loan secured by your jewelry. When you get a loan secured by your jewelry from Diamond Banc, you get paid immediately, while also retaining ownership of your item.
Your Pawn Jewelry Loan Alternative
For anyone looking for a trustworthy source to secure a loan using jewelry as collateral, without resorting to local pawn shops, Diamond Banc sets itself apart as the go-to option for both online and in-person jewelry pawn loans. Whether you’re interested in leveraging diamonds, luxury timepieces, or precious metals like gold and silver for your loan, Diamond Banc is the ultimate choice offering comprehensive pawn jewelry loan services.
What Is The Benefit of a Jewelry Equity Loan?
Navigating the sale of jewelry can be daunting, particularly for those emotionally attached to their pieces. It involves finding a reliable buyer, assessing jewelry value, and negotiating prices, which can be challenging. At Diamond Banc, we transcend the role of a mere bulk jewelry buyer. Specializing in assessing premium-quality jewelry, diamonds, and Rolex watches, we assist clients in finding tailored financial solutions to meet their unique requirements. Our clients don’t just receive offers for their valuables; they encounter an unparalleled experience with seasoned industry experts. Trust Diamond Banc for a seamless and rewarding jewelry-selling journey.
Diamond Banc was founded by Mills Menser, who saw a need within the jewelry market for individuals looking to get paid for their jewelry without selling it. Diamond Banc was born online and places a tremendous value on transparency and convenience. Diamond Banc provides asset-based loans nationwide secured by diamonds, fine jewelry, and other luxury jewelry items. Our loan process is fast, secure, & discreet. Because of our position in the jewelry industry, we have the resources to understand what your jewelry is truly worth and pay you accordingly for it.
When searching for a trustworthy option for a jewelry equity loan near you, Diamond Banc offers a seamless and secure nationwide loan process, ensuring you can leverage the value of your jewelry without parting ways with it.
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