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Strapped for cash? Been turned down by banks for a loan? We can appraise your fine jewelry and watches and arrange to buy them or loan money on them.

Gold & Diamond Center provides discreet collateral lending services on your jewelry and fine watches. Transactions with us are always confidential and our interest rates are affordably low.

If you need cash, but a bank loan is not a viable alternative, please bring your collateral in for evaluation. We’ll tell you how much we’ll loan on it. If you agree, we’ll hold your collateral and give you your money.


How Do Jewelry Loans Work?

If you're looking for some quick cash, a jewelry loan might be the perfect solution.

But how exactly do these loans work?  And what makes them different from a loan that you'd get from your local bank?

As the name suggests, you'll get a jewelry loan from a jewelry store, instead of through the bank.  You'll take some of your valuable pieces to the jewelry store, have them appraised, and receive an offer right on the spot.  In fact, you can walk into a jewelry store this morning and have your money by this afternoon!  That's a huge difference from getting a loan at your bank, where you have to jump through all kinds of hoops (and wait awhile) to get the money.

And speaking of hoops, there are much fewer of them with a jewelry loan.  Since you're using your jewelry as collateral, it doesn't matter what your credit score looks like.  You won't have to prove that you're good for the money.  The jewelry store won't even both to run your credit!  Instead, if you don't pay your loan back, they'll just keep your stuff.  As a result, you'll only have to present one form of ID and fill out a single form -- instead of going through miles of paperwork.

Making things even more convenient, a good jewelry store will allow you to use just about any piece as collateral.  Whether you've got an engagement ring, an expensive watch, a broach that's been in the family for years, or even loose gemstones, you can use them to get a loan.  That's another big difference from dealing with your local bank -- where you need to have very specific assets (like your own home or a big retirement account) in order to qualify for a loan.

Best of all, jewelry loans are much more professional than any loan you would get at a pawn shop.  Oh sure, your local pawn shop will be happy to hang onto your jewelry while you repay their loan.  However, they don't have the trained eye that a professional jewelry appraiser will -- so you likely won't get as much value for your pieces at a pawn shop.  Plus, a good jewelry store will offer you better interest rates than you'll get over at the local pawn shop.

OK, so you know how the process works.  But what exactly can you use a jewelry loan for?

Anything you want!

Once you agree to the terms, your jewelry store will write you a check.  From there, you can turn around and spend the money on anything you want -- from your mortgage payment to your dream vacation!

After 30 days you can pay the interest and principal and reclaim your collateral. Or you can pay that month’s interest and keep the principal for another 30 days.

Diamond Buying Guide

Diamond Buying GuideDiamond grading is subjective. The location of inclusions can mean that not all diamonds with the same grade are the same. The same quantity and size of inclusions on 2 diamonds with the same VS grade can look drastically different because of their location, and their orientation to the desired setting.

The 4 C’s of Diamond Buying according to the GIA: carat, cut, color and clarity


A diamonds size is measured in Carat Weight. Each diamond carat is also equal to 100 points. For example, a diamond that is a ½ carat can also be referred to as a 50 point diamond.


The cut of the diamond is also referred to as the shape. Shapes include Round Brilliant, Princess Cut, Emerald Cut, Marquise Cut, Oval Cut, Radiant Cut, Pear Shape, Heart shaped and Assher Cut. When a diamond is cut to good proportions, light is refracted from one facet to another, then dispersed through the top of the diamond. A well cut diamond – regardless of its shape –, sparkles, has more fire, and offers the greatest brilliance.


Color is the natural body color visible in a diamond and is the one C determined completely by nature, not man. As a rule, the closer a diamond is to colorless, the more valuable and beautiful it is. Diamond colors appear in a range from D to Z. Color grades D, E and F are considered colorless, making them rare;. grades G, H and I are near colorless; and grades J down are going to have a considerable amount of color. 


Clarity is an indication of a diamond's purity. When a rough stone is extracted from carbon, deep beneath the earth, tiny traces of natural elements are almost always trapped inside. These elements are called inclusions, though sometimes they are referred to as birthmarks, because they are formed naturally and are unique to each stone. Clarity ranges from flawless (FL); internally flawless (IF); very, very slightly included (VVS1-VVS2); very slightly included (VS1-VS2); slightly included (SI1-SI3); and included (I1-I3)


Jewelry For Any Occasion

Fine Jewelry for Any Occasion

We have an exquisite collection of rings, ear rings, necklaces, bracelets and pendants that make perfect gifts for any occasion.

Looking for something personalized? We can design and create Custom Jewelry to your specifications.

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Service and Repair

Jewelry and Watch Service and RepairThe Gold & Diamond Center’s staff of jewelry designers and watch technicians have the training and experience to keep your jewelry and watch investment in top condition.

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Financing Available

Synchrony Financial

We offer financing with Synchrony FinancialSee store for details.

We Make Jewelry Loans

North East Jewelry Loans

We have cash to lend for luxury watches, gold, silver, and platinum jewelry. Loan terms are tailored to the borrower’s needs.

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