Diamond Pawn Shop

Loan Against Your Diamond Engagement Ring, Jewellery and Loose Diamonds

We offer short term pawn loans against your diamonds. All our diamond valuations are based on up-to-date Rapaport pricing which is the industry standard for diamond pricing. Get in touch with us today to receive a quote.

Why choose us

fast

Fast

Receive money in as little as an hour.

expert

Expert

Trusted pawnbroker and jeweller for over 250 years.

competitive

Competitive

Accurate valuations and competitive loan rates.

confidential

Confidential

Discreet service with no credit checks.

fast

Fast

Receive money in as little as an hour.

expert

Expert

Trusted pawnbroker and jeweller for over 250 years.

competitive

Competitive

Accurate valuations and competitive loan rates.

confidential

Confidential

Discreet service with no credit checks.

Get a Free Quote NOW
0800 038 9839

A FAST AND SIMPLE PROCESS

Contact us

Get in touch with us online,
in-store or by phone.

Accept Offer

RECEIVE YOUR OFFER FROM OUR
SPECIALISTS IN AS LITTLE AS 1 HOUR.

RECEIVE MONEY

ACCEPT THE AGREEMENT AND RECEIVE
THE MONEY VIA SAME-DAY BANK TRANSFER.

GETTING YOUR DIAMONDS TO US

WE OFFER SEVERAL OPTIONS:

IN-STORE

Bring your diamond(s) into one of our London stores today.

You are welcome to book an appointment with our expert appraisers and they will be ready to meet you when you arrive.

COURIER SERVICE

Use our free insured Special Delivery courier service to send your diamonds to us, or we can send our courier to you to collect your diamonds. Receive money in 24 – 48 hours from your home.

STAFF COLLECTION

Have your high-value diamond(s) collected by one of our staff members at a convenient time and place for you.

HOME VISIT

For high-value diamonds, our specialists can come to you to value your luxury assets.

Valuing Your Diamonds

Our highly trained specialists consider many factors when valuing your diamonds to ensure we provide you with the most accurate and up to date valuation. The most important factors are the ‘four cs’ certification:

CARAT
Carat is the unit of measurement for the weight of diamonds. Generally, a diamond’s value increases in line with the carat weight however, diamonds with equal carat weight can differ in value depending on other valuation factors.

CLARITY
Clarity is the assessment of the inclusions (internal flaws) and blemishes (external imperfections) of your diamond. A gemstone with no visible inclusions or blemishes is graded as ‘flawless’ and therefore, likely to be of higher value.

CUT
The cut is often thought of as the diamond’s shape (oval, pear, round etc.) however, it is also about how well the diamond has been cut and finished. The proportions, depth, symmetry and polish will all impact the aesthetic appearance value of the stone.

COLOUR
Diamonds come in many different colours ranging from pink to blue. However, the most common are colourless. Colourless diamonds are graded on their lack of colour any yellow, brown or grey tints can impact value.

CERTIFICATION
A laboratory certificate from institutions such as GIA, HRD, and Anchorcert all help maximise the value of your diamonds.

Security and Care

LOOKING AFTER YOUR DIAMONDS

TRANSPORT
If you use our courier service to have your diamond(s) collected from your home or you send your items to us, they will be insured up to £20,000 during transportation.

If your diamond(s) is of high value, you use our staff collection service, and they will be insured up to £100,000 during transportation.

STORAGE
Whilst your diamond(s) is with us to be valued by our specialists or if your diamond(s) is under loan with us, it is stored in protective packaging in our highly secure vaults.

CARE
When your diamond(s) is with us, we take every step necessary to look after it. Our valuation specialists and inventory managers handle your diamond(s) with care to make sure your luxury valuables are returned to you in the same condition we received them in.

FREQUENTLY ASKED QUESTIONS

WHY LOAN AGAINST YOUR DIAMONDS?

Your diamond(s) can be the solution to your short term cashflow needs. Borrowing against your diamond(s) enables you to keep possession of them, preventing you from having to sell.

CAN I SELL PRE-OWNED DIAMONDS?

Yes. If you decide you don’t want to pawn your diamonds, we can provide you with a purchase offer. Get a quote with us online, in-store or by phone today.

CAN I PAWN MY DIAMONDS ONLINE?

Suttons and Robertsons are an in-store and online diamond pawnbrokers. Don’t worry if you can’t come into one of our London stores, we offer a secure online pawn shop service across the UK.

WHAT LUXURY ASSETS DO YOU OFFER LOANS AGAINST?

We are a high-end pawnbroker specialising in offering fast loans against watches, jewellery, diamonds, gold, fine art, antiques, classic luxury cars, handbags, rare books, sports memorabilia and other luxury items.

WHAT IS THE CARAT WEIGHT OF YOUR DIAMOND? AND THE 4CS?

Diamond carat weight is the measurement of how much a diamond weighs. A metric “carat” is defined as 200 milligrams. Each carat can be subdivided into 100 ‘points’. This allows very precise measurements to the hundredth decimal place. Sometimes when describing the weight of a diamond that is below one carat, it is often referred to by ‘points’ alone. It can also be referred to as a fraction. For instance, a diamond that weighs 0.25 carats is often described as a twenty-five pointer or as ¼ carat. Diamonds weighing greater than one carat are usually expressed as whole numbers decimals shown to two decimal places. All else being equal, diamond price increases with diamond carat weight because larger diamonds are rarer and more desirable. But two diamonds of equal carat weight can have very different values (and prices) depending on three other factors of the diamond 4Cs. It’s important to remember that a diamond’s value is determined using all of the 4Cs, not just carat weight.

WHAT IS THE CUT OF MY DIAMOND?

Diamonds are renowned for their ability to transmit light sparkle intensely. We often think of a diamond’s cut as shape (round, emerald, pear), but a diamond’s cut grade is really about how well a diamond’s facets interact with light. Precise artistry and workmanship are required to fashion a stone, so its proportions, symmetry, and polish deliver the magnificent return of light only possible in a diamond. A diamond’s cut is crucial to the stone’s final beauty value. And of all the diamond 4Cs, it is the most complex and technically difficult to analyse. To determine the cut grade of the standard round brilliant diamond – the shape that dominates the majority of diamond jewellery –the laboratory carrying out the certificate calculates the proportions of those facets that influence the diamond’s face-up appearance. These proportions allow the assessor to evaluate how successfully a diamond interacts with light and to create desirable visual effects such as: Brightness: Internal external white light reflected from a diamond Fire: The scattering of white light into all the colours of the rainbow Scintillation: The amount of sparkle a diamond produces, the pattern of light dark areas caused by reflections within the diamond The diamond’s cut grade also takes into account the design and craftsmanship of the diamond, including its weight relative to its diameter, its girdle thickness (which affects its durability), the symmetry of its facet arrangement, and the quality of polish on those facets.

WHAT ARE THE FIVE CUT GRADES?

Standard round brilliant diamonds in the D-to-Z diamond colour range contains 5 cut grades; Excellent Very good Good Fair Poor. The most popular cuts being Round brilliant cut diamond Princess cut diamond Marquise cut diamond Pear cut diamond Cushion cut diamond Emerald cut diamond Ascher cut diamond Radiant cut diamond Heart cut diamond.

CAN I PAWN PRE-OWNED DIAMONDS?

Yes. Our highly trained specialists can grade your diamonds and provide you with a loan offer against diamond-set jewellery and certified loose diamond stones.

HOW MUCH CAN I PAWN MY DIAMONDS FOR?

We offer loans from £500 up to £2 million. Suttons and Robertsons can lend up to 60% of the value of your diamonds. This means that if you are pawning a collection of GIA certified diamonds valued at £13,500, we could lend you a maximum of £8,100 (60% of the value).

WHERE CAN I PAWN MY DIAMONDS?

You can borrow money against your diamonds at our pawn shops. Suttons and Robertsons have four pawn shops in London; Victoria Street Pawnbrokers, Edgware Road Pawnbrokers, South Kensington Pawnbrokers and Fleet Street Pawnbrokers. Please contact us if you are searching for pawnbrokers near me and live in London. We will be able to appraise your diamonds and provide you with an offer instantly.

WHAT DETERMINES A DIAMONDS VALUE?

A diamond’s value depends on many factors and, as London pawnbrokers since 1770, the Suttons and Robertsons’ diamond specialists know exactly what they’re looking to see in a gemstone. We can offer you a loan against your jewellery collection if you are seeking to pawn a diamond ring, necklace or earrings. We’ll be pleased to take a look at your item, either in-store or online, and offer you a free valuation on your piece. Diamonds are the cornerstone of jewellery design and they hold their value, but where they are, how they’ve been set, the size and carat of the brand are all important factors in a valuation. A Cartier diamond pave ring may dazzle and shine, but how will it compare to the value of a Graff diamond solitaire engagement ring? It depends on the carat, clarity, cut colour of the diamond, as well as the size. Together, these are known as the 4 Cs and they were created by the Gemological Institute of America to act as a benchmark for deciding diamonds’ worth. What exactly is a Carat? A diamond’s carats refer to the weight of a diamond. One carat represents 0.200 grams in weight. What this means when valuing a diamond is that the larger or heavier it is, the greater its value. One single stone will always be valued at a higher price than two smaller stones combined. This is because larger diamonds are rarer and, as such, attract a higher valuation. A large solitaire diamond ring could be valued higher than an eternity ring with the same carat and value as one large diamond has greater value than many small ones that add up to the same carat. Large diamonds are also valued more highly because of the effect that a large diamond has over above smaller stones of the same quality. Diamond Clarity A diamond’s clarity refers to its purity and takes into account the number positioning of inclusions (internal flaws) and blemishes (external marks). The fewer the number of inclusions and blemishes, the higher the diamond’s value. Diamonds are magnified by ten times to assess their clarity. Five key factors are examined. These are the position, size, nature, colour, the number of inclusions and blemishes. It is often only at this great magnification that flaws can be seen; some are invisible to the naked eye. Gemstone Cut The value of the other Cs rest in what nature provides, but it is the brilliance of the craftsman who works on the diamond that gives it its cut value. A diamond’s cut is what lets light reflect through the diamond it is a cut that can truly realise a diamond’s true beauty. When cutting a diamond, there are three optical effects that can be created: The Brightness – white light reflection, both inside and out. The Fire – How white light is transformed into the colours of the rainbow Scintillation – The reflections, or sparkle, caused by the pattern of light and dark within the stone Colour Colour can have a massive impact on the value of a diamond. A large flawless white diamond could be worth less than an ultra-rare smaller yellow diamond with a few blemishes or inclusions. Most famously white or colourless, diamonds also come in colours such as grey, pink blue, but the less colour a ‘white’ diamond has, the greater its worth. This is because the lack of colour generates more sparkle, identical seeming diamonds can be valued differently on the basis of their colour. While white diamonds are graded on a chart from D to Z, where D is completely colour-free Z has colour evident; however, coloured diamonds are rated on a different scale which rates a stone according to its strength of colour. The Beauty of Brand Value A fabulously-cut high-quality diamond might generate a generous valuation, but it might be worth even more if the diamond is nestled in a setting made famous by the world’s great jewellery houses. A Cartier LOVE bracelet may have lots of small diamonds, while a Tiffany diamond pendant could be set with a large stone, but the valuation will depend on the condition, the provenance on the availability of the certification documents. It’s also important to remember that a brand piece will always have a greater value when bought from the brand store directly rather than at a resale price. That’s a Rap As trusted London pawnbrokers, we rely on a point of reference for our valuations. We know that our clients may be in urgent need of a short-term fast loan, so we turn to the Rapaport Research Report for a cost on every diamond that we see. Called the ‘Rap Price’, the report states the base price industry-wide for diamonds. Not only does it take the guesswork out of the equation, but it lets you – the customer – know that our valuation is reliable based on a recognised valuation framework. The report will help us to arrive at a price according to cut, colour, clarity and carat as well as identify what your diamond is. Looking to Release the Value in Your Diamond Jewellery? As a London pawnbrokers, we never know what to expect – we’ve had some wonderful surprises over the years. We’ve also had some disappointed clients who thought that their stone may be held more value than it did. Simply put, diamonds don’t lie. Backed up by the Rap Price, we’ll be able to make you an expert diamond jewellery loan valuation or diamond jewellery purchase offer. Our valuations are fast, meaning that you could get £500 – £20k almost instantly.

HOW DO YOU JUDGE THE QUALITY OF DIAMOND JEWELLERY?

Diamonds, set as earrings, diamonds set as a bracelet, diamonds set as a necklet, diamonds set in rings, in fact all diamond set jewellery has been used for centuries as a store of wealth, whenever you have a store of wealth, you have collateral for a pawnbroking loan. The diamonds themselves are judged traditionally on what is known as the 4 C’s. Carat weight, Colour, Clarity and Cut. Although more recently, a fifth C- Certificate- has become a vital way of ensuring that you have what you were sold.

WHAT IS THE CLARITY OF MY DIAMOND?

Inclusions and blemishes are structural imperfections which affect the clarity grading of diamonds. Inclusions are largely crystals of diamond or foreign material that has formed within the stone affecting the internal composition, while blemishes are flaws which affect the stone’s surface. The size, number, colour, location, orientation, and visibility of inclusions blemishes are all taken into account when evaluating the clarity of a diamond. When inspected through a ten times magnification jewellers loupe, the following grades are given: FL- Flawless; no inclusions and no blemishes IF- Internally Flawless; no inclusions (Very difficult for a trained grader to spot) VVS1-Very very slightly included grade1 VVS2-Very very slightly included grade 2 (Difficult to spot classed as minor) VS1- Very slightly included grade1 VS2- Very slightly included grade2 Inclusions are classed as noticeable SI1- slightly included grade1 SI2- slightly included grade2 Inclusions classed as obvious may affect transparency I1- included grade1 I2- included grade2 I3- included grade3

HOW DOES THE COLOUR OF YOUR DIAMOND AFFECT VALUE?

The diamond colour evaluation of most gem-quality diamonds is based on the absence of colour. A chemically pure, structurally perfect diamond has no hue, consequently, a higher value. The d-to-Z diamond colour-grading system measures the degree of colourlessness by comparing a stone under controlled lighting and precise viewing conditions to master stones of established colour value. The industry’s most widely accepted grading system is produced by GIA. The scale begins with the letter D, representing colourless, and continues, with increasing presence of colour, to the letter Z. Many of these colour distinctions are so subtle that they are invisible to the untrained eye; however, these distinctions make a very big difference in diamond quality price. When an experienced pawnbroker such as Suttons and Robertsons assesses any piece of diamond jewellery for a diamond jewellery loan, they will assess the above qualities to determine a loan value. As the 4 C’s of a diamond are assessed under laboratory conditions, what has come more to the fore as an important part of assessing the value of your diamond is a certificate.

WHAT IS A DIAMOND CERTIFICATE -THE FIFTH C

A diamond certificate is an evaluation by a third party. On it will clearly state the results as based on the 4 Cs. This evaluation will take the form of a laboratory certificate must not be confused with an insurance valuation or the retailers stated opinion. There are several known grading laboratories, for example: GIA- Gemological Institute of America HRD- abbreviation of the Dutch “Hoge Raad voor Diamant” IGI- International Gemological Institute With these certificates, you can contact a pawnbroker who will be able to give you an estimate as to how much they would be able to give you as a pawnbroking loan.

HOW ARE DIAMONDS VALUED?

These gemstones are valued according to their cut, clarity, carat weight and colour: The cut determines a diamond’s brilliance The clarity is assessed for the diamond’s natural inclusions (flaws), so those with the fewest flaws receive the highest grades of clarity The colour is evaluated on a scale ranging from colourless to yellow/brown, with fancy exceptions such as pink blue The carat is a specific measure used for weighing diamonds.

JEWELLERY BRANDS WE LOAN AGAINST

WE LOAN AGAINST MANY BRANDS INCLUDING BUT NOT LIMITED TO:

Competitive Loan Rates

Terms

All our loans are for 6 months and are secured against your valuables. Maximum APR (including all fees): 93.21% (fixed). No minimum payment term. Maximum payment term: up to 6 months. These loans are redeemable at any point during the loan period without any penalty.

REPRESENTATIVE EXAMPLE

Loan amount of £1,000. Loan term of 6 months. Interest rate of 6% per month (fixed). Total interest of £360 over 6 months.
Total repayable amount in one instalment is £1,360. Representative APR is 84.96% (including all fees).

Risk Warning: If the loan is not repaid, the assets may be sold.

GET IN TOUCH TODAY

Call us on 0800 038 9839 or contact us for a free online quote now.

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