A diamond collateral loan lets you borrow cash against a diamond — loose or mounted — without selling it. Palm Beach Loan Company offers GIA-trained specialist valuations, no credit check, and same-day funding in a discreet appointment-based setting. Your diamond is returned in full when the loan is repaid.
What a Diamond Collateral Loan Is
A diamond collateral loan is a short-term, asset-backed loan secured by a diamond — whether loose or set in jewelry. You retain ownership throughout the loan term. Funding is based on the current market value of your diamond, not your credit history, income, or financial profile.
What Diamonds Qualify
Palm Beach Loan accepts a wide range of diamonds through our diamond lending service:
- Loose certified diamonds (round, oval, cushion, emerald cut, and other shapes)
- Diamond engagement rings and wedding rings
- Diamond earrings, necklaces, and bracelets from fine jewelry houses
- Stones with GIA, AGS, or other internationally recognized laboratory reports
- Estate diamonds, even without documentation (subject to in-person evaluation)
Lab-grown diamonds may be accepted; please inquire directly for current policy.
How Diamond Value Is Determined
Every diamond loan offer is based on a thorough evaluation using the standard grading framework and current market data:
- Cut quality. Excellent and Very Good cut grades carry the strongest light performance and market demand.
- Carat weight. Price-per-carat increases significantly at major weight thresholds: 0.5ct, 1ct, 2ct, 3ct, and above.
- Color grade. D–F (colorless) grades carry premiums; G–J (near-colorless) remain commercially strong.
- Clarity grade. FL through VS2 grades are typically eye-clean and hold strong resale values.
- Laboratory certification. GIA and AGS reports confirm the above characteristics and eliminate grading ambiguity, typically supporting stronger offers.
- Fluorescence and treatment status. Treatment-free stones are generally valued more favorably.
The Process
- Contact Palm Beach Loan by phone, online, or appointment.
- Deliver your diamond — in person or via insured shipping.
- Receive an expert appraisal from our GIA-trained specialists.
- Review and accept (or decline) the loan offer — no obligation.
- Sign the pledge agreement and receive funds by wire, same-day in most cases.
- Repay the loan and receive your diamond back.
Privacy and No Credit Check
Palm Beach Loan does not run credit checks and does not report to credit bureaus. All transactions are handled in private, appointment-based settings. The discreet nature of the process is a core feature, not an afterthought.
Diamond Loan vs. Selling Your Diamond
Selling a diamond typically returns 20–40% of retail value at most resale outlets. A collateral loan returns a loan amount based on current wholesale-to-market value — while preserving your ownership of the stone. For diamonds with sentimental or appreciating market value, a loan is rarely the wrong choice over a permanent sale.
Book a private consultation to receive a preliminary estimate on your diamond.
Do you accept loose diamonds as collateral?
Yes. Palm Beach Loan accepts both loose diamonds and diamond jewelry as collateral for short-term loans.
Do I need a GIA certificate?
A GIA or AGS report is not required but can support a stronger offer by confirming grade and eliminating valuation ambiguity.
Is there a credit check?
No credit check and no bureau reporting. The loan is secured by your diamond alone.
Can I ship my diamond?
Yes. Insured shipping is available, or you may visit our South Florida office in person.
Where is Palm Beach Loan located?
555 N Congress Ave, Suite 301, Boynton Beach, FL 33426. Mon–Thu 9AM–5PM, Fri 9AM–3PM, weekends by appointment.