Few valuables exemplify attention to detail quite like fine jewelry. Keeping true to their artistry and craftsmanship, Borro accepts a broad range of fine jewelry as well as diamonds as collateral, from the finest contemporary makers, to unique vintage pieces.
- Minimum Loan: $2,500
- Watches with a value of $4000+
- Accepted collateral includes but is not limited to – white or colored diamonds. emeralds, sapphires, and rubies. estate and fine jewelry including rings, bracelets, necklaces, pendants, brooches, earrings and more.
What Makes Fine Jewelry Ideal Collateral
Fine jewelry and diamonds are among the most efficient forms of luxury collateral. They are compact, easily transported, precisely graded and valued through established industry standards (GIA, AGS, and comparable certification bodies), and stored securely at minimal cost. Unlike many alternative assets, fine jewelry has a deep and liquid secondary market supported by auction houses, established dealers, and an active global resale network. These characteristics make jewelry and diamonds particularly well-suited for the fast, confidential lending process that Borro provides.
How Borro Values Your Jewelry
Our appraisal process for fine jewelry considers multiple factors: the current market value of the materials (gold, platinum, diamonds, colored gemstones), the quality and certification of center stones, the maker or house (Cartier, Van Cleef & Arpels, Tiffany, Harry Winston, Graff, and others), the condition and completeness of the piece, and any provenance or historical significance that adds value. Estate jewelry from recognized houses frequently commands premiums above material value, and our specialists have the expertise to identify and value these premiums accurately. Whether your piece is a single diamond engagement ring or a comprehensive collection of signed estate jewelry, Borro provides valuations that reflect the full market potential of your holdings.
The Lending Process
Getting a loan against your fine jewelry with Borro is straightforward. You can begin with an online estimate or a phone consultation with one of our specialists. Once we have basic information about your piece — type, materials, certifications, maker — we provide a preliminary valuation range. When you are ready to proceed, you ship your jewelry to us using our fully insured, prepaid shipping service, or you can visit one of our offices for an in-person appraisal. The formal appraisal is completed within hours, and once you accept the loan terms, funds are typically available within 24 hours. Your jewelry is stored in our secure, insured vault facility for the duration of the loan, and you can redeem it at any time by repaying the loan balance.
Why Choose Borro for Jewelry Loans
Traditional pawnbrokers and jewelry buyers offer a fraction of an item’s true value because their model is built on resale, not lending. Borro’s model is different — we are structured as a lender, not a buyer, which means our incentive is to provide the highest possible loan value so you choose to redeem your piece. There are no credit checks, no impact on your personal financial profile, and the entire process is handled with the discretion that high-value jewelry transactions demand. For individuals with significant jewelry holdings who need access to capital — whether for a business opportunity, a real estate transaction, or personal needs — Borro provides a solution that treats your jewelry as the serious financial asset it is.
