Palm Beach Loan Company offers diamond collateral loans for clients who need capital without permanently selling their diamonds. Whether you own a certified solitaire, a loose stone, or a diamond piece, our GIA-trained specialists provide accurate valuations and discreet funding with no credit check.
What a Diamond Collateral Loan Is
A diamond collateral loan is an asset-backed loan secured by your diamond. You deliver the diamond—loose or set—and receive a loan offer based on expert evaluation. Your diamond is held securely during the loan term and returned to you upon full repayment.
What Diamonds Are Accepted
- Loose diamonds with or without GIA, AGS, or EGL grading reports
- Diamond engagement rings and solitaires
- Diamond tennis bracelets and earrings
- Fancy colored diamonds (pink, blue, yellow, green)
- Estate diamond jewelry from known designers
How Diamond Valuation Works
Diamond value is assessed using the 4Cs plus market factors:
- Cut — precision and quality of faceting (Excellent, Very Good, Good)
- Color — graded D–Z for colorless to light yellow; fancy colors are graded separately
- Clarity — inclusions and blemishes on the FL–I3 scale
- Carat weight — total weight of the stone
- Lab report — GIA or AGS certification supports a stronger offer
- Designer setting — Cartier, Tiffany, or Harry Winston settings add premium
The Loan Process
- Contact Palm Beach Loan by phone, online, or appointment
- Bring or ship your diamond securely with insured packaging
- Receive a specialist evaluation and loan offer
- Sign the pledge agreement
- Receive funds by wire—same-day for qualified loans
Privacy: No Credit Check, No Bureau Reporting
Diamond loans are secured by the asset’s value. No credit check is performed, and the loan does not appear on your credit report. All appointments are conducted privately in a professional office environment.
Learn more about our diamond loans, explore high-end jewelry loans, or book a private appointment.
Frequently Asked Questions
Do you need a GIA certificate to get a diamond loan?
No. Diamonds without certificates are still accepted. However, a GIA or AGS grading report typically supports a stronger loan offer.
Can I get a loan on a loose diamond?
Yes. Loose diamonds are accepted as collateral regardless of whether they are set or not.
Is there a credit check?
No. The loan is secured by the diamond’s value. No credit check is performed and the loan is not reported to credit bureaus.
How fast can I receive funding?
Same-day wire funding is available for qualified loans upon execution of the pledge agreement.
What happens to my diamond during the loan?
Your diamond is held in a secure, insured facility and returned to you in the same condition upon full repayment.