Certified loose diamonds
GIA, IGI or HRD-certified stones, valued on the 4Cs against current market prices for that grade.
Pawn loans against diamonds · City of London · Est. 2013
Borrow against your diamond. Keep it, and take it back when you repay.
Trinity makes pawn loans against diamonds — certified and loose stones, engagement rings and fine diamond jewellery — from £500 with no maximum. Valued by specialists on the 4Cs and the market, insured door to door, held securely in the City of London, and returned to you exactly as you left it when you repay.
No credit checks. Nothing on your credit file. Offer the same day.
What is your diamond worth as a loan?
Tell us the carat, the certificate details if you have them, and send a few photos. A diamond specialist reviews it against the current market and comes back with an indicative offer the same day — at no cost, and with no obligation.
Step 1 of 2 · Your diamond
£60m+ lent since 2013Confirm Valued on the 4Cs and the live market Funds within 24 hours FCA regulated, ref 741896 Free insured collection
What we lend against
The diamonds we lend against
We lend against diamonds worth keeping — certified investment-grade stones, engagement and dress rings, and fine diamond jewellery. A certificate helps the valuation, but an uncertified stone can still be valued and lent against.
Engagement & diamond rings
Solitaires and multi-stone rings — the stone, the setting and the maker all considered.
Diamond jewellery
Necklaces, pendants, earrings and suites, including signed and period pieces.
Uncertified & older stones
No certificate is no barrier — our specialists grade and value the stone on its own merit.
How much you can borrow
Valued fairly, on the 4Cs and the market
Your diamond is valued by a specialist on the 4Cs — carat, cut, colour and clarity — with its certificate where there is one, against current market prices for that grade. Not weighed and averaged like scrap. That means an accurate valuation and a competitive loan, at rates lower than the typical high-street pawnbroker. Loans start at £500, with no upper limit.
Loan size
£500 upwards
Term
6 months, renewable
FeesNeeds confirmation
No arrangement fee
Credit file
No credit checks
Worked exampleRate-led example awaiting compliance
Borrow £[X,XXX] against a certified diamond for [X] months — a rate-led worked example goes here once compliance confirms the figure.
Amount borrowed£[X,XXX]
Term[X] months
Interest£[XXX]
Total to repay£[X,XXX]
Representative APR[XX.X]%
Indicative only. Your offer depends on the specific stone, its certification and condition, and the market on the day.
How it works
Four steps. Your diamond back at the end.
Step 01
Tell us about your diamond
Send the carat, the certificate details if you have them, and a few photos. A specialist values it and sends an indicative offer the same day.
Step 02
Send it to us, insured
We arrange free, fully insured delivery, or you can bring it to our City of London office by appointment. It’s insured from the moment it leaves your hands.
Step 03
Accept the offer and get paid
Once we’ve examined the diamond in person we confirm the valuation. Accept, and the money is with you within 24 hours.
Step 04
Repay, and it comes back to you
Loans run for six months and can be extended. Repay early and you pay less, with no penalty. Your diamond is returned exactly as you left it.
Read the process in full, including what happens at the end of the term →
How we value diamonds
Valued by diamond specialists, on the 4Cs
Every diamond is assessed by a specialist — carat, cut, colour and clarity, the certificate where there is one, and, for set pieces, the mount and maker — then valued against current market prices for that grade. We don’t weigh and average, and we don’t treat a fine stone as scrap. Our specialists come from the auction houses and the trade.
Graded on the 4Cs
Carat, cut, colour and clarity, assessed by a specialist.
Certificate read and factored in
GIA, IGI or HRD — helpful, not required.
Set stones valued whole
The mount, maker and any secondary stones all counted.
Nothing sight-unseen
You see the valuation before you commit to anything.
Why Trinity rather than the high street
A pawnbroker for diamonds you intend to keep.
We-buy-diamonds and cash-for-diamonds services buy your stone outright. We don’t. A pawn loan is a loan: you keep ownership, we keep it safe, and you take it back when you repay. That difference is the whole business.
Trinity
The high street
Your diamond
Yours throughout — a loan, never a sale
Bought outright
Rates
Lower rates than typical high-street pawnbrokingNeeds substantiated APR
Higher headline APRs
Valuation
Graded properly on the 4Cs
Weighed and averaged like scrap
Expertise
Specialists who read a certificate and know the market
A generalist behind the counter
Storage
Held in secure, insured storage in the City of London
Varies by branch
Credit file
No credit checks, and nothing recorded on your credit file
May run credit checks
400+ five-star reviews of Unbolted, the FCA-regulated lender behind every Trinity loan.
Case study · RedeemedAwaiting a consented case
[Diamond case study to be supplied — the stone, the sum lent, the timeline, redeemed. No identifiable people, no full customer names.]
Piece[confirm]
Amount lent[confirm]
Funds released[confirm]
Outcome[confirm]
Illustrative placeholder — to be replaced with a real, consented case. No identifiable people, no full customer names.
Diamond FAQs
Asked, answered
No. This is a loan against it. You keep ownership throughout and take the diamond back when you repay.
No. A GIA, IGI or HRD certificate helps the valuation, but our specialists can grade and value an uncertified stone. It’s one factor, not a requirement.
No. It’s held securely, not altered, worn, displayed or sold, and returned exactly as you sent it.
Free, fully insured delivery, insured up to £25,000 by Royal Mail Special Delivery. You can also bring it in by appointment.Process for stones above £25,000
Talk to us. Loans can usually be extended. If a loan is not repaid, the diamond may be sold, and anything it makes above what you owe comes back to you.
No. There is no credit check and nothing is recorded.
An indicative offer the same day, and funds within 24 hours of us confirming the valuation.
Representative exampleVerbatim from compliance
FCA representative example to be inserted verbatim from compliance.
Designed as a first-class element rather than small print — final wording inserted verbatim once signed off.
Get started
Find out what your diamond is worth
A confidential valuation, at no cost, with no obligation to proceed.
Value my diamondOr speak to a specialist: 020 3567 1300 · WhatsApp