Palm Beach Loan Company offers jewelry collateral loans for clients who need capital without selling their fine jewelry. Whether you own Cartier, Harry Winston, Graff, David Webb, or estate pieces, our GIA-trained specialists provide expert valuations and discreet funding with no credit check.
What a Jewelry Collateral Loan Is
A jewelry collateral loan is a loan secured by fine jewelry you own. You deliver your piece to Palm Beach Loan Company, receive an offer based on expert appraisal, and retain ownership throughout the loan term. When repaid, your jewelry is returned in the same condition it was received.
What Jewelry Qualifies
Palm Beach Loan Company accepts a wide range of fine jewelry, including:
- Signed designer jewelry: Cartier, Harry Winston, Graff, Van Cleef & Arpels, David Webb, Tiffany & Co., Bvlgari
- Diamond jewelry: engagement rings, tennis bracelets, diamond earrings, solitaire pendants
- Colored gemstone pieces: sapphire, emerald, ruby, and alexandrite in fine settings
- Vintage and estate jewelry with provenance or historical significance
- Modern fine jewelry in gold, platinum, or white gold
How Diamond and Gemstone Value Is Determined
Specialists evaluate jewelry based on:
- The 4Cs for diamonds: cut, color, clarity, and carat weight
- GIA or AGS laboratory reports — grading reports support stronger valuations
- Metal content: gold and platinum value adds to the overall offer
- Maker/signature: designer pieces may carry significant premiums above material value
- Market conditions: secondary market pricing for comparable pieces
The Palm Beach Loan Process
- Contact Palm Beach Loan by phone, online inquiry, or appointment
- Deliver jewelry in person or via insured shipping
- Receive expert valuation and loan offer
- Review and sign the pledge agreement
- Receive funds by wire—same-day for qualified loans
Privacy and No Credit Check
Jewelry loans at Palm Beach Loan Company are secured by the asset, not your credit. No credit check is performed. The loan is not reported to credit bureaus. All appointments are conducted privately.
Jewelry Loan vs. Selling Jewelry
Selling jewelry is a permanent transaction. A collateral loan preserves your ownership while providing capital. Clients who are not ready to part with a meaningful piece—an heirloom, an engagement ring, a collector acquisition—often find a collateral loan the appropriate alternative.
Explore our high-end jewelry loans service page, review our diamond loan options, or book a private appointment today.
Frequently Asked Questions
Is there a credit check for a jewelry loan?
No. The loan is secured by the jewelry’s value. No credit check is performed and the loan is not reported to credit bureaus.
How fast can I receive funding?
Same-day funding by wire is available for qualified loans once the pledge agreement is executed.
What should I bring to maximize my loan offer?
Bring GIA or lab grading reports, original receipts, prior appraisals, and any designer documentation. These support stronger valuations.
Can I use my engagement ring as collateral?
Yes. Engagement rings and other diamond jewelry are commonly accepted. The offer is based on the stone quality, metal, and any designer significance.
Do you accept loose diamonds?
Yes. Loose diamonds, particularly those with GIA certificates, are accepted as collateral.
Where are you located?
555 N Congress Ave, Suite 301, Boynton Beach, FL 33426. Monday–Thursday 9 AM–5 PM, Friday 9 AM–3 PM, and by appointment on weekends.