Unlocking the Value of What You Already Own
Luxury jewelry isn’t just beautiful — it’s valuable. And in the right hands, it can offer you discreet financial flexibility when you need it most. Whether you’re exploring your options or seeking a short-term solution, using fine jewelry as collateral for a loan is a trusted strategy among Palm Beach’s high-net-worth community. Here’s what you should know before taking the next step.
What Counts as “Luxury Jewelry”?
Not every piece of jewelry qualifies, but many do. Typically accepted items include:
- Diamond necklaces, rings, bracelets, or earrings
- Designer or branded pieces from Tiffany & Co., Cartier, Van Cleef & Arpels, Bulgari, and Graff
- Signed vintage items and estate collections
- Pieces with large center stones or investment-grade quality
- Jewelry with GIA certification or provenance documentation
Even if your item is unbranded or lacks paperwork, a private appraisal can determine eligibility.
Why Choose a Loan Over Selling?
Selling often feels final — and for many clients, it’s not the right choice. A luxury collateral loan lets you retain ownership while accessing the equity in your jewelry. This is especially useful for:
- Short-term cash flow
- Bridge financing
- Divorce or estate-related transitions
- Liquidity without liquidation
Once the loan is repaid, your item is returned to you in its original condition.
How the Jewelry Loan Process Works
- Private Appraisal Appointment
Our experienced appraisers meet with you one-on-one, by appointment only. - On-the-Spot Offer
Based on market value, brand, and condition. - Secure Storage
Your item is stored in a climate-controlled, insured vault for the duration of the loan. - Quick Funding
Funds are typically released the same day. - Return Upon Repayment
Once the loan is satisfied, we return your piece promptly and discreetly.
Frequently Asked Questions
- “Do I need to leave my jewelry with you?”
Yes — the item is held as collateral in a secure facility until the loan is repaid. - “What if I don’t have the paperwork?”
That’s fine. While documents can help, we can evaluate the piece directly. - “Can I use multiple items?”
Absolutely. We can bundle pieces together to meet your desired loan amount.
Why Clients Choose Palm Beach Loan
We’re not a pawn shop. We provide private lending for clients who expect professionalism, discretion, and respect for their assets. Our difference:
- Appointment-only evaluations
- Luxury appraisers on staff
- Secure, insured storage
- Same-day decisions and funding
- Located right here in Palm Beach
Ready to Explore a Luxury Jewelry Loan?
Whether you’re planning your next move or simply want to understand your options, we’re here to help. Schedule a private consultation with our team — and discover what your jewelry could unlock.
👉 Contact us today for a confidential appraisal.