What is the maximum loan amount for my diamonds?

Loan amounts depend on brand, condition, certification, and accompanying documentation. Qollateral provides loans ranging from $2,000 to $10 million, ensuring maximum value for your diamond assets.

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Get a Secured Loan Against Your Diamonds from NYC’s Top Lender!

Q: How does the diamond loan process work?

Qollateral offers a streamlined loan process with complete confidentiality. Schedule in-person or virtual evaluations, and once you accept loan terms, receive same-day funding. Online applicants receive fully insured, prepaid shipping labels for secure, hassle-free transactions.

Q: Should I pawn or sell my diamonds?

Qollateral offers competitive terms for both options. Pawning allows immediate funds access while retaining reclaim rights, making it ideal for temporary financial needs when you want to keep your diamonds long-term.

Q: How quickly can I receive diamond loan funds?

Once you accept the loan’s terms, funds are disbursed the same day via cash, check, or wire transfer based on your preference.

Q: Will diamond loans impact my credit score?

No. Taking loans against diamonds with Qollateral never affects your credit score. We don’t report to credit bureaus, and loan non-repayment only results in collateral forfeiture, never credit impact.

Q: What if I decline the diamond loan offer?

If you choose not to accept our terms, your diamonds return to you promptly at no cost or obligation.

Q: How are my diamonds protected during storage?

Your diamonds are fully insured by Lloyd’s of London and securely stored in the International Gem Tower, one of the most secure facilities in the country. With decades of experience, our appraisal team has a flawless security record, no assets have ever been lost or stolen. Your valuables are handled with the highest level of care.

Q: How do I retrieve my diamonds after repaying the loan?

Once the loan balance is fully paid, your diamonds will be promptly returned to you.

Q: How long do I have to repay the loan?

The loan term is 4 months. You can repay the loan in full at any time during this period, with interest only charged for the time elapsed. At the end of 4 months, you can either redeem your diamonds by paying the full amount or renew the loan by paying the accrued interest, which extends the loan for another 4 months.

Q: Do I have to make monthly payments?

No, instead of monthly payments, interest payments are required every 4 months to keep your loan active.

Transform your luxury diamonds into immediate cash with industry-leading diamond loans from Qollateral. As New York’s premier 5-star rated lender, we specialize in providing the highest-value secured loans against diamonds with same-day funding and complete confidentiality. Loans run from $2,000 to $10 million, and the stones come back to you when you repay.

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Why Choose Qollateral for Loans Against Diamonds?

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Expert Diamond Buyers with Trustworthy Terms

Schedule a consultation with our certified gemologists and receive a fair valuation based on true secondary market value. Our experienced diamond buyers understand the intricacies of diamond grading and market pricing.

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Same-Day Luxury
Loan Funding

Skip the complicated approval processes. Our streamlined system delivers fast, secure funding on the same day as your appointment with flexible payment options.

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Flexible Diamond Loan Solutions

Choose cash, check, or wire transfer funding, with convenient loan renewal options at the end of your term. The choice is entirely yours with our adaptable financing structure.

What Diamond Assets Do We Accept?

At Qollateral, we’ve simplified the process to borrow against diamonds and convert precious stones into immediate capital. Whether you need to sell a diamond ring or secure maximum collateral value from loose stones, we provide same-day payouts on premium diamonds and gemstones through a discreet, professional process.

Accepted Diamond Jewelry Types:

Engagement rings and wedding bands – Perfect when you need to sell diamond ring jewelry quickly
Loose certified diamonds with GIA documentation
Vintage and estate diamond pieces
High-value gemstone jewelry with AGL or Gubelin certification
Diamond necklaces, tennis bracelets, diamond earrings, and pendants
Colored stones: emerald, sapphire, ruby, and other certificated gems
Signed diamond pieces from Tiffany & Co., Cartier, Graff, and Harry Winston
Lab-grown diamonds, appraised on a separate basis to natural stones

Your valuable assets remain secure throughout the loan process. Present your diamonds with laboratory grading reports, and meet privately with our expert team for professional consultation. We determine your stone’s maximum loan value with zero pressure and no obligations.

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Ruby gemstone ring with diamond halo used for collateral loan.

How We Value a Diamond

Every diamond is priced on the same four things, and we will walk you through all of them before we make an offer.

Carat weight. Value rises faster than weight does, so a single two-carat stone is worth considerably more than two one-carat stones of the same quality.
Cut. The one factor that is human rather than geological, and the one that most affects how a stone looks. An excellent cut carries a real premium.
Color. Graded D to Z for white diamonds. Fancy colored diamonds, particularly pinks and blues, are valued on an entirely separate scale.
Clarity. Graded from Flawless to Included. Inclusions that are invisible to the eye still move the number.

A GIA grading report addresses all four, which is why a certified stone appraises faster and higher than an uncertified one. We accept GIA, AGL, and Gubelin reports. If you do not have one, our in-house gemologists grade the stone on the spot, and we will tell you plainly what we are seeing.

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Our Diamond Loan Process:
Simple, Secure, Professional

Round brilliant cut loose diamond stone used for secured loan in NYC.

Private Diamond Consultations

Book confidential in-person or virtual appointments with our certified gemological team for personalized service and expert evaluations.

Competitive Market-Based Quotes

We consistently offer the industry’s highest-value luxury asset loans on diamonds and precious gemstones, ensuring you receive maximum value.

Advanced Asset Protection

Located in the International Gem Tower, one of America’s most secure facilities, Qollateral stores your diamonds in a monitored, state-of-the-art vault. All assets carry full Lloyd’s of London insurance coverage.

We’re New York’s most trusted diamond buyers

When securing luxury collateral financing, trust matters. Qollateral maintains a proven track record of high-value loans against diamonds and premium luxury assets. We ensure you feel supported and informed throughout every step of our loan process. If selling is the right answer for you rather than borrowing, we buy as well as lend.

About Us

Oval-cut aquamarine and diamond halo ring in a white gold setting

How Our Diamond Loans Work

How does the diamond loan process work?

What's the maximum loan amount for my diamonds?

Do I need a GIA certificate to borrow against a diamond?

Do you lend against lab-grown diamonds?

Should I pawn or sell my diamonds?

How quickly can I receive diamond loan funds?

Will diamond loans impact my credit score?

What if I decline the diamond loan offer?

How are my diamonds protected during storage?

How do I retrieve my diamonds after repaying the loan?

How long do I have to repay the loan?

Do I have to make monthly payments?

Unlock Cash From Your Diamonds, Tax Deferred

Get liquidity from your diamonds without selling. Borrowing is not a taxable event, so you defer capital gains and keep your asset, along with any future appreciation, in your name.

Learn How It Works

Luxury Assets for Tax-Advantaged Asset-Backed Borrowing

Some Of Our Recent Loans

Actual loan values may exceed the amounts shown. Displayed amounts reflect the borrower's requested draw, and vary based on item condition, market demand, and collateral evaluation.

Gold & Diamond Chain

23CT 12mm 2 Row Gold Cuban Link Diamond Necklace

Loan Amount: $7,000

Rolex

Rolex Datejust 36 Mint Green Index Dial Reference 126234GXO

Loan Amount: $6,500

Audemars Piguet

AP Royal Oak 34mm Rose Gold Diamond-set, Reference 77451OR.ZZ.1361OR.04

Loan Amount: $50,000

Rolex

Rolex Day-Date 40 Oyster, 40 mm, Everose Gold Reference 228235

Loan Amount: $26,000

Lamborghini

Lamborghini Huracan 2022

Loan Amount: $175,000

Rolex

Rolex Sky-Dweller Oyster, 42 mm, Reference 336934

Loan Amount: $16,000

Rolex

Rolex GMT-Master II Blue And Red Pepsi Reference 126710BLRO

Loan Amount: $12,000

Rolex

Rolex Cosmograph Daytona 40MM 116519LN Black Dial Oysterflex Strap

Loan Amount: $20,500

Rolex

Rolex GMT-Master II 126718GRNR, 18K Yellow Gold, Black Dial, 40 mm

Loan Amount: $21,500

Patek Philippe

Patek Philippe 5930P-001 Platinum Green Dial

Loan Amount: $50,000

Patek Philippe

Patek Philippe Nautilus 5740/1G-001

Loan Amount: $150,000

Rolex

Rolex Oyster Perpetual Sky-Dweller Ref. 326934

Loan Amount: $13,000

Audemars Piguet

Audemars Piguet Royal Oak Selfwinding 41mm Watch

Loan Amount: $35,000

Audemars Piguet

Audemars Piguet Royal Oak Offshore Chronograph 42mm

Loan Amount: $30,000

Porsche

2016 Porsche Boxster Spyder (981 generation)

Loan Amount: $50,000

Rolex

Rolex Yellow Gold Sky Dweller 336938 Champagne

Loan Amount: $23,000

Audemars Piguet

Audemars Piguet Royal Oak Chronograph in 18k Rose Gold

Loan Amount: $50,000

Rolex

Rolex Land-Dweller 40mm Ref. 127334

Loan Amount: $13,000

Rolex

Rolex Sky-Dweller 42mm Blue Dial Ref. 326934

Loan Amount: $15,000

Rolex

Rolex Tiffany Oyster Perpetual Ref. 277200

Loan Amount: $5,000

Proudly offering the highest value collateral loans to clients in NYC and across the nation

100% Satisfaction Guarantee

Assets We Accept

Online collateral loans can be secured against a wide range of luxury assets. This includes (but is not limited to):

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Patek Philippe Nautilus Moon Phase luxury watch available for pawn loans in NYC.

Luxury Watches

Van Cleef & Arpels Alhambra necklace—a sought-after jewelry piece eligible for pawn loans.

Luxury Jewelry Brands

Loose round brilliant diamond—secure an instant pawn loan at Qollateral.

Diamonds & Gemstones

Gold bullion bars—convert your investment into fast cash with Qollateral.

Precious Metals

Hermès Himalayan Birkin handbag—one of the most valuable luxury bags available for asset loans.

Luxury Handbags

Gold and silver bullion coins available for high-value collateral loans at Qollateral.

Gold and Silver Coins

Andy Warhol Marilyn Monroe pop art print in black, white, red, and yellow

Fine Art

Antique pocket watch collectible on rustic table

Rare Collectibles

Three graded Pokemon cards featuring Charizard, Shining Mewtwo, and Umbreon VMAX in protective slabs

Trading Cards

Red Ferrari SF90 Stradale supercar parked on a paved surface

Exotic Cars

Get Your Diamond Collateral Loan Today

Ready to tap into your diamond’s value? Book your consultation today at our International Gem Tower office in NYC’s prestigious Diamond District. Can’t travel? We offer convenient virtual consultations nationwide and provide insured FedEx overnight shipping.

Experience why discerning clients choose Qollateral for the industry’s highest-value diamond loans with unmatched security and professional service.

Get Started

GIA-certified three-stone diamond engagement ring used for luxury collateral loan.

Recommended Resources

Google Reviews

      EXCELLENT  
   Based on 175 reviews 
    
 
 
 
   
 
 
       EDDIE CUZZ PEJCINOVIC. 
 
 
  WHAT A HONEST SO PROFESSIONAL ,CARING STAFF  ASKS U EASILY WHAT U WANT TO DO COLLATERAL LOAN OR TO SELL ? SO EASILY EXPLAINED  ,IF U NEED SOME CASH FOR BILLS LIKE ME I TOOK A LOAN  AND IM VERY HAPPY AND IN A FEW MONTHS ILL GET MY ITEM BACK, IM REALLY HAPPY 😊   AND ILL ALWAYS BE BACK.
  
 
      Piny Vind 
 
 
  The team was extremely knowledgeable about high end watches. They accurately valued my Patek Philippe and provided a loan that exceeded my expectations.
  
 
      Ariel Amir 
 
 
  Qollateral treated my luxury watch collection with the care and respect it deserved. The loan process was simple and I was able to redeem my watches without any issues.
  
 
      Christina Topchu 
 
 
  I had a very pleasant experience with the team here at Qollateral. They made me feel very comfortable and answered all the questions I had. The office felt luxury and private in the GIA building with lots of security to get in, which made me feel comfortable leaving my valuables with Qollateral.
  
 
      James B 
 
 
  I needed quick access to capital and did not want to sell my Rolex. Qollateral gave me a fair loan offer and funded the loan the same day. The entire process was professional and discreet.
  
 
      Danny Anderson 
 
 
  Took out my first loan on some Pokémon cards i refuse to sell, the process was quick and easy and had the funds in minutes, Jonathan was very patient, very happy with their service. 5/5
  
 
      Kevin Revinov 
 
 
  Trustworthy, consistent and reliable team! Thank you.
  
 
      Christine D. 
 
 
  My experience with Qolatteral was excellent, and I highly recommend their services if you are considering securing a loan against a valuable item.
  
 
      Алиса Ёрчук 
 
 
  I was nervous about shipping my watch collection but everything was fully insured and handled professionally. Communication was excellent throughout the process.
  
 
      Yuriy Babadzhanov 
 
 
  I compared several luxury asset lenders before choosing Qollateral. Their offer was the strongest and their customer service was exceptional from start to finish.
  
 
      Cameron Swanson 
 
 
  Great experience, super fast, and Jonathan was extremely helpful for a quick loan experience on Graded Pokemon Cards
  
 
      Nata Justley 
 
 
  This office is most dedicated to providing outstanding service and ensuring customer satisfaction through clear communication, transparency, and efficient solutions
  
 
      Sherif Shabaan 
 
 
  Best team on 47st. Very secure and knowledgeable. Will do business again
  
 
      ExclusiveAuto 
 
 
  Just had to come here and mention my fantastic experience with Qollateral. Greg was professional, responsive, and made the entire process smooth and straightforward from start to finish. Communication was excellent and everything was handled quickly and transparently. Will definitely be working with them again.
  
 
      aleksandra chernobrodskaya 
 
 
  I just transacted with their office with a new Chanel bag. I’m very pleased with the service and the deal I got. Thank you))
  
 
      Shivam Soni 
 
 
  Had a great experience working with Qollateral. I needed some quick cash and was able to give me a $6,000 loan using a few of my graded Pokémon cards as collateral. Super easy process from start to finish. I emailed them and got a response with an offer in under 30 minutes. Went to the office the same day and had cash in hand within an hour. Everyone was professional, transparent, and easy to work with. Definitely recommend if you’re looking for a fast and straightforward way to leverage your collectibles without selling them.
  
 
      L L 
 
 
  Amazing staff and service, i've got a great qoute for watch and jewelry ! will continue doing business with them!!
  
 
      Ekaterina Savitskaia 
 
 
  i’m very pleased with the service I received at this office. Was very surprised and how  everyone was thank you very much.
  
 
      Brandon Govender 
 
 
  Premier Services from A to Z Michael is transparent and provides top tier vault solutions for your luxury items. Highly recommend for reasonable rates and working with great people.
  
 
      mendy bankhalter 
 
 
  I was very happy working with Michael , he delivered a fantastic experience for me.

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Get a Secured Loan Against Your Diamonds from NYC’s Top Lender!

Why Choose Qollateral for Loans Against Diamonds?