- 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.
Own fine jewelry or diamonds? Borro lends up to 65% of the value of fine jewelry and 50% of diamonds, with loans from $2,500, no credit check and funding in as little as one business day. Get a no-obligation quote or call 720-458-6788.
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. Once you accept the loan terms, funds can be available in as little as one business day once approved. 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.
A Velvet Tray and a Single Lamp
Good jewelry is meant to be seen under a single warm lamp. Lay it on dark velvet and the room seems to lean in. An emerald holds its deep green like still water. A sapphire goes from midnight to cornflower as you tilt it. A diamond simply opens, spilling light in every direction at once.
The pleasure of such pieces is partly in the stones and partly in the hands that made them. A clasp that closes with a whisper. A brooch whose tiny, careful claws you can only admire with a loupe. A necklace that settles against your collarbone with a cool, deliberate weight, and makes you stand a little straighter without your quite knowing why.
People who own pieces like these rarely think of them as inventory. They think of the evening it was first worn, the person who gave it, the way a colleague’s eyes lingered a second too long at a dinner. Jewelry is worn memory. It is worth honoring, and it deserves better than a hurried sale.
When you need capital, there is a calmer route. Borro lends against fine jewelry and diamonds, holds your piece in fully insured, secure safekeeping, and returns it to you when you repay. You keep ownership and every bit of the story. To begin, simply look through jewelry and diamond loans and see whether a piece of yours belongs there.
Frequently Asked Questions
How much can I borrow against my jewelry?
Borro lends up to 65% of the value of fine jewelry and 50% of diamonds, with loans from $2,500, no credit check and funding in as little as one business day once approved.
Where is my jewelry kept during the loan?
In fully insured, secure safekeeping, and it is returned when you repay.
Does Borro check my credit?
No. The jewelry secures the loan.
Ready to unlock your asset’s value? Borro has lent more than $1 billion and holds an A+ BBB rating. Apply now or call 720-458-6788 to speak with a valuation expert.
