Getting a loan against jewellery is simple and discreet:
- Tell us about your piece. Share details such as brand, metal type, gemstone specifications and any certificates. Clear photos help us provide an initial estimate.
- Professional valuation. Our experienced team assesses the item’s condition, precious metal content, gemstone quality, brand and current market demand to determine a fair loan offer.
- Receive your funds. Once you accept the offer, we finalise the agreement and transfer the funds to your UK bank account quickly and securely.
Security and peace of mind
Your jewellery is stored in a high-security, monitored facility for the duration of the loan. When the loan and agreed interest are repaid, your items are returned to you in the same condition.
Getting a loan against jewellery is simple and discreet:
- Tell us about your piece. Share details such as brand, metal type, gemstone specifications and any certificates. Clear photos help us provide an initial estimate.
- Professional valuation. Our experienced team assesses the item’s condition, precious metal content, gemstone quality, brand and current market demand to determine a fair loan offer.
- Receive your funds. Once you accept the offer, we finalise the agreement and transfer the funds to your UK bank account quickly and securely.
Security and peace of mind
Your jewellery is stored in a high-security, monitored facility for the duration of the loan. When the loan and agreed interest are repaid, your items are returned to you in the same condition.
Documents required for loans on jewellery:
- proof of ownership of the jewellery (preferably an invoice)
- your ID
- proof of address
COMMON QUESTIONS ABOUT OUR LOANS AGAINST JEWELLERY
We consider gold jewellery, diamond rings, engagement rings, branded pieces, gemstone jewellery and high-value watches. Luxury brands and certified stones typically attract higher loan amounts.
Valuations are based on:
- gold or precious metal content
- diamond and gemstone grading (cut, colour, clarity, carat)
- brand and resale demand
- condition and authenticity
We assess current market value rather than original retail price.
Loan amounts depend on the market value of your jewellery. Lamna offers loans from a few thousand pounds to significantly higher sums for exceptional pieces.
Yes. All items are securely stored with strict access control and monitored security systems.
If you want short-term liquidity but intend to keep your jewellery long-term, a pawn loan enables you to retain ownership while accessing immediate funds.
Illustrative loan examples​
Loan offers are based on a percentage of each piece’s assessed market value. Items with strong provenance, original boxes and certificates typically attract better offers.
