The Nation's #1 Jewelry Pawn Lender
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
Kyle Z. Cook
Since the inception of Diamond Banc, Kyle Z. Cook has been an integral team member. Recognized for his diligent management of crucial transactions and daily operations, Kyle demonstrates an exceptional commitment to the organization. However, his role goes beyond merely operational; he places enormous importance on fostering personal relationships with clients. With Kyle, every client can expect to receive not only a high standard of service but also the personal attention and care that sets Diamond Banc apart. His meticulous attention to detail, deep understanding of the jewelry market, and relentless commitment to professionalism guarantee that you receive the highest value for your fine jewelry and timepieces.
Jordan Isaacs
As the National Director of Funding at Diamond Banc’s corporate office, Jordan Isaacs prioritizes providing top-notch client experiences during the assessment of their items for immediate sale or loan services. With excellent communication skills and a talent for prompt and informative follow-up, Jordan’s expertise enables him to offer the highest values, the most competitive rates in the industry, personalized financing options, & exceptional service to each and every client. To start working with Jordan, give us a call or fill out our online submission form.
“I contacted several luxury lending firms, jewelers, and pawn shops. Diamond Banc blew them all out of the water. They had the lowest interest rate, highest loan offer, true flexibility in repayment period and Jordan, I can’t rave about this guy enough. He made a potentially difficult & intimidating process so easy and seamless. He stayed in contact with me from beginning to end, answering all my questions and really made me feel like he was in my corner and not just trying to take advantage of my situation. I’m not often easily impressed but Jordan & Diamond Banc wowed me. I cannot recommend them enough. Thank you guys so much for such a pleasant experience!”
-Michelle K.
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.
Why Diamond Banc is Your Best Choice for Pawn Jewelry Loans?
Looking for a quick and secure way to pawn jewelry? Your search ends here with Diamond Banc, the premier online pawn shop for jewelry loans. Specializing in fast and hassle-free transactions, we accept diamonds, fine & designer jewelry, gold, and luxury watches as collateral. Renowned for our reliable and trustworthy services, our experienced team ensures you get the best value and service for your pawn transactions.
Our easy process streamlines your online jewelry pawn experience. Diamond Banc, a trusted national jewelry lender, provides short-term jewelry equity pawn loans online, allowing individuals to leverage their jewelry as collateral.
Secure A Pawn Jewelry Loan Using The Following:
- Get A Pawn Jewelry Loan On Fine Jewelry
We offer pawn jewelry loans against fine jewelry, including designer pieces from renowned brands like Tiffany & Co., Cartier, David Yurman, Graff, Harry Winston, and more. - Get A Pawn Jewelry Loan On Engagement Rings
We accept various types of diamond engagement rings, wedding bands and complete wedding sets. Experience the convenience of a pawn jewelry loan on your engagement ring with us. - Get A Pawn Jewelry Loan on Loose Diamonds
We accept loose diamonds measuring 0.5 carats or larger, whether certified or un-certified. Our expert team provides a free evaluation of your diamonds. - Get A Pawn Jewelry Loan on Luxury Watches
We offer pawn jewelry loans on luxury watches. If you have a high-quality watch in good condition with the necessary paperwork, you can access our online pawn jewelry loan service. We accept watches from top brands like Rolex, Cartier, Breitling, Omega, Tag Heuer, and more. - Get A Pawn Jewelry Loan on Gold and Silver
We turn your gold and silver coins, bars, or bullion into immediate funds. Our knowledgeable team understands the value and market dynamics of these precious metals, allowing us to offer competitive pawn jewelry loan terms.
How to Pawn Jewelry with Diamond Banc
Easy Evaluation Process: If you’re interested in pawning your jewelry, Diamond Banc offers an unmatched easy evaluation process to cater to your online jewelry pawn needs. Begin by completing our easy online submission form telling us about your item, and receive a pawn quote online in no time. Within just 24 hours, our expert team will provide you with an initial loan offer. That’s correct—acquiring a pawn jewelry online loan offer takes less than a day when you opt for the convenience and speed of Diamond Banc.
Fully-Insured Overnight Shipping: Once you’re comfortable with our initial offer, we’ll send you a fully-insured shipping label so you can send your pawn jewelry overnight to our secure headquarters. Rest easy knowing your items are in safe hands during transit.
Swift Verification and Final Offer: Upon arrival at our headquarters, your jewelry will undergo a professional verification process by our skilled team. Based on the evaluation, we’ll provide you with our final loan offer.
Convenient Online Documentation and Immediate Funding: After accepting our final offer, we’ll swiftly complete your pawn jewelry loan documentation via email. Funding will be immediately issued through wire transfer or check, allowing you to access your funds right away.
The Complete Process in Less Than 48 Hours: Typically, the entire online pawn jewelry equity loan process can be finalized in under 48 hours from the moment you fill out our online submission form.
Option for Same-Day Funding: If you’re looking for same-day funding, we encourage you to visit a Diamond Banc location near you. Meet with one of our jewelry pawn lenders who will evaluate your items right in front of you and issue immediate funding.
Easy Access to Your Item: Once the full amount has been repaid, your pawn jewelry will be returned to you in the same condition we received it as. Watch this video to see how fast, simple, and secure redeeming your online loan with Diamond Banc truly is.
Choose Diamond Banc for all your online pawn jewelry needs, and experience the secure, fast, and transparent service that sets us apart.
Diamond Banc’s Equity Loans vs. a Traditional Pawn Jewelry Loan
When it comes to pawning your jewelry, Diamond Banc’s online jewelry pawn services stand out from traditional pawn shops. Opting for Diamond Banc means more than just obtaining a loan; it means partnering with industry experts offering high loan-to-value ratios. This ensures you receive maximum value for your valuable jewelry upfront. Unlike conventional pawn shops, which may offer conservative loan amounts and inflexible terms, we promote additional loan principal payments. Our goal is for clients to redeem their collateral, unlike traditional pawn shops that may prefer loans to go unredeemed to expand their inventory.Watch this video and discover why you should avoid the pawn shops.
With Diamond Banc, you’ll also find an unparalleled level of flexibility. Clients can draw their loan balance up or down and even have access to their pawned jewelry via collateral exchange during the loan period. Traditional jewelry pawnshops typically offer antiquated loan servicing with high interest and loan fees, but we guarantee low rates and encourage customizable and automatic pawn jewelry loan repayment terms.
In summary, if you’re looking to pawn jewelry, Diamond Banc stands out as the superior choice, offering a borrower-friendly approach with flexible, low-cost options, all aimed at providing you the most value for your treasured jewelry.
| Diamond Banc Equity Loans | Traditional Jewelry Pawn Loans |
|---|---|
| Industry experts offering an ultra-high loan to value ratio | Conservative loan amounts |
| Additional loan principal payments encouraged | Stringent repayment structure, discouraging principal payments |
| We want our clients to redeem their collateral | Hope loans are not redeemed and added to inventory |
| Clients can draw loan balance up and down and can have access to their jewelry via collateral exchange during the loan period | Rigid loan structure, benefitting the lender, not the borrower |
| Customizable and automatic loan repayment terms encouraged | Antiquated loan servicing |
| Low rate guaranteed | High interest and loan fees |
The Benefits of a Pawn Jewelry Loan with Diamond Banc
High Loan Amounts: Diamond Banc’s staff are true jewelry experts, who take every value-adding factor into consideration to offer you the maximum pawn jewelry loan amount. In addition, the majority of pawn lenders do not have the capital on hand to make large loans. Diamond Banc regularly makes loans from $20,000 – $250,000 and has the ability to fund transactions up to $1,000,000.
Our Loan & Buy Offers Are The Same: Most pawn shops will offer to loan you less for your item than they will buy it for. This policy does not make sense to us! At Diamond Banc, our jewelry pawn loan offer and buy offers are almost always the same.
Significantly Lower Interest Costs: Diamond Banc typically charges 50% – 80% less than the standard pawn industry interest rates.
We Want You To Get Your Items Back: Diamond Banc has plenty of its own jewelry and we want you to get yours back! With most jewelry pawn loans, every 30 days the client can pay only the interest due or all of the principal plus the interest due. This payment structure is beneficial for the pawn lender; however, for the borrower, it can be detrimental. With a pawn jewelry loan from Diamond Banc, providing your loan charges are current, any extra amount that you wish to pay goes directly towards your pawn jewelry loan’s principal balance, thus lowering your monthly interest costs moving forward.
Loan Re-Advancements: Let’s say you borrowed $10,000 against your Rolex from Diamond Banc and have paid down your balance to $3,000, which is not an option with most standard pawn jewelry loans. After you have paid down your balance and something else comes up, Diamond Banc can then increase your loan by re-advancing you the $7,000 you paid back. By readvancing the pawn jewelry loan funds, brings your loan balance back up to the original $10,000. You can draw your loan up as often as you wish, and carry your balance as long as needed, providing your interest charges have been paid as agreed and your loan is in good standing.
Your Items Are Insured: If you read the fine print on most pawn lender’s paperwork, you will discover that your item is not insured in the event of a loss or theft during the life of your loan. At Diamond Banc, all loan collateral used for a pawn jewelry loan is insured for the amount of the loan, or sometimes for more during your loan period.
Terms of Your Jewelry Pawn Loan
- Your loan is a 30 day loan that can be extended for as many 30 day periods as needed, as long as the minimum monthly cost of funds is paid every 30 days.
- As soon as the pawn jewelry loan is originated, the first 30 day billing period is accrued. This amount is then due 30 days from the date of origination. The cost of funds is accrued in full 30 day periods and is not prorated.
- Since not every month has exactly 30 days in it, the due date will move forward over time – it is advised to schedule your payments before the official due date.
- The minimum cost of funds is not applied towards the principal balance.
- To reduce your loan balance, you must make a payment above your minimum monthly cost of funds. It is your responsibility to contact our office to arrange additional principal payments during your loan. Your loan is only eligible for principal payments providing it is in good standing and no unpaid cost of funds is due.
- The length of the loan is solely dictated by you. Take as little or as long as you need to repay the principal balance.
- We have clients secure the minimum monthly cost of funds payment via credit/debit card, which is automatically processed each month. This keeps the account current and in good standing.
Explaining our Pawn Jewelry Loan Costs
- Diamond Banc’s $5K average loan that’s repaid in 6 months, contrasts with a low-rate 30 year mortgage because the amounts we finance are much smaller and the repayment term is MUCH shorter.
- The collateral we lend against is not accepted by traditional banks due to the risk and expertise required.
- Diamond Banc’s cost of capital is above market benchmarks due to the specialized type of lending we engage in.
- Our loan products are ideal for people wanting to borrow money for 1-6 months. We do not recommend using our loan service for long term financing.
- In most cases, we charge 50%-80% less than what is allowed by law for the type of loans we make.
Avoid the Local Pawn Shops: Choose Diamond Banc for Your Pawn Jewelry Needs
If you’re seeking a reliable place to get a loan against your jewelry without relying on local pawn shops, Diamond Banc emerges as the top choice for jewelry pawn loans. For those aiming to utilize diamonds, jewelry, luxury watches, or even silver and gold as collateral, Diamond Banc stands as the preeminent solution for online and in-person pawn jewelry loan services.
Experience the unique Diamond Banc advantage online or at an office near you, where our primary focus is offering clients convenience, flexibility, and standout jewelry pawn loan options. Beyond just avoiding local pawn shops, with Diamond Banc, you gain access to a pressure-free environment where your comfort and ease are paramount.
Choosing Diamond Banc over the local pawn shops grants you access to our commitment to superior service. We pride ourselves on offering the highest pawn jewelry loan values, customizable repayment terms, and unmatched industry expertise. Revel in the unmatched convenience and loan options at our dedicated locations.
Reach out to us to explore your pawn jewelry loan options, or drop by an office today. Trust in Diamond Banc to deliver a smooth pawn jewelry experience as your dedicated jewelry pawn lender.
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.
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