Model wearing jewelry at a showroom display counter
Model wearing jewelry at a showroom display counter

Jewelry Collateral Loans in Boca Raton

Use the value of your jewelry without selling a piece you want to keep. Get a private evaluation and a loan offer based on your jewelry, with no credit check.

Book a Loan Consultation
Three stone set rings worn with a dark jacket

A jewelry loan with personal service

Bring rings, necklaces, bracelets, earrings or loose stones to our Boca Raton showroom. Our gemologists and jewelers assess the materials, stones, condition and current market demand, then explain your offer. Your jewelry is stored securely and insured during the loan, and returned after repayment.
Book a Loan Consultation

What to expect from your loan

01

Funds in under an hour

Most loans are completed in under an hour after authentication and agreement on the terms. Payment is available by wire transfer or cashier’s check.

02

An informed valuation

Our specialists assess your jewelry and its current market value.

03

Secure, insured storage

Your collateral is held in our vault with cameras operating around the clock and insurance covering its full appraised value.

04

Care for your item

Complimentary cleaning and appropriate servicing are available on request. Ask our team about the care included for your piece.

How to get a jewelry loan

01
Book a consultation Schedule a private appointment at our Boca Raton showroom. Walk ins are also welcome.
02
Have your item evaluated We assess authenticity, condition and current market value, then explain your loan offer with no obligation to accept.
03
Review the terms and receive funds Review the loan amount, interest, fees, repayment date and renewal options before signing. Once agreed, we arrange payment and secure storage.
Book a Loan Consultation
Layered necklaces, a wide bracelet and statement rings

What affects your jewelry loan offer

Your offer reflects the complete piece, including its materials and condition.

Model wearing statement rings, a necklace and a wristwatch
01
Precious metal content We assess the type, purity and weight of the gold or platinum in your jewelry.
02
Diamonds and colored stones Carat weight, cut, color and clarity help determine value. Bring any grading reports you have.
03
Brand and design The maker, design, age and current demand can contribute to a piece’s value beyond its materials.
04
Condition and repairs We inspect settings, clasps and signs of wear. Damaged jewelry can still be considered.
05
Loan or sale A loan allows you to reclaim your jewelry after repayment. You can also compare an offer to sell your jewelry.
Book a Loan Consultation

CUSTOMER EXPERIENCES

Selected five-star Google reviews

General customer service experiences with our store.

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★★★★★

I had a great experience at Diamonds by Raymond Lee. I was helped by Jose and Dan, and both were excellent — professional, fast, and very transparent throughout the process.I did a pawn on a watch, and everything was han…Read full reviewClose full review
I had a great experience at Diamonds by Raymond Lee. I was helped by Jose and Dan, and both were excellent — professional, fast, and very transparent throughout the process.I did a pawn on a watch, and everything was handled smoothly. The terms were fair, the interest rate was reasonable, and the service was efficient from start to finish.I would definitely do business with them again — not necessarily for another loan, but absolutely to purchase, as they have an impressive selection of watches and jewelry.Highly recommend!

★★★★★

Great customer service and an amazing selection of diamonds and gold jewelry. I brought my old gold and got top dollar on loan for it. Thanks Dan and jose for your support and service.

★★★★★

Great customer service. Jose is really nice and helpful. I love the store and his patience. He took his time with no rush to help us. Thank you Jose

Reviews collected October 3, 2026.

Jewelry loan questions

Most loans close in under an hour, from authentication to payout. Wire transfers arrive the same business day, and cashier’s checks are provided immediately.

We evaluate diamond and gemstone jewelry, gold and platinum pieces, estate jewelry and loose stones. If you have a watch, see our Rolex loan page or general collateral loan options.

No. Our collateral loans are based on your item’s value. We do not check or report to credit bureaus, and we do not require employment verification.

Each item is sealed, barcoded and stored in our vault with security cameras operating around the clock. Insurance covers the full appraised value while your collateral is in our possession.

Yes. Pay the monthly interest and storage fees on or before the due date and we can renew the term without a new application. Your written agreement explains the amounts and due dates.

After the grace period, the collateral is sold to satisfy the outstanding balance. Proceeds beyond principal and interest are returned to you. We explain the repayment date and default terms before you sign.

Yes. Complimentary ultrasonic cleaning and routine watch winding are available on request. Our team will discuss the appropriate care for your item.

Yes. We can evaluate damaged pieces and discuss whether repairs, such as laser welding or stone tightening, would affect the loan offer. Any proposed work is explained before you decide.