How Much Can I Get?

Beware of jewelry appraisals! In the jewelry industry, established policy is to appraise an item at well above its actual retail value, or in other words well above what the items would cost to replace if they were lost or stolen. These self-serving “appraisals” are often issued by the actual seller of the item – think about it, a seller “appraising” an item they just sold you! In addition, such appraisals often ignore the condition, age and marketability of an item. Like cars or clothing, most fine jewelry depreciates in value as soon as it becomes worn or styles change.

At Internet Pawn, we make strong and resaonable loan offers, and we are able to offer the best values thanks to our huge network of dealers and end-users who buy pre-owned jewelry from us. With 20 years of experience, Internet Pawn is confident in it's ability to satisfy you.

Loan Estimator

Internet Pawn will provide you with a Pawn Loan offer based on the Retail Value of your item, when your valuable was new. We use our experience to apply a valuation percentage to the Retail Value to determine a Pawn Loan amount. All you need to enter is the Retail Value of your valuable in the calculator below to receive a Conditional Loan amount.

How much can I get?

Valuation Percentage – Diamond Jewelry:

In most ring, bracelet, earring or necklace settings, 85% to 95% of the value of diamond jewelry is in the diamonds rather than the gold, platinum or silver they are set in. The retail jewelry market in the United States today has considerable mark ups.

We have applied a 30% valuation percentage which is a good overall estimation of good to high quality pieces. Typically, extremely high quality diamonds will qualify for loans of 35% or more of the Retail Price, very good to average quality diamonds can collateralize a Pawn Loan at 25% of the Retail Price. With the very weak diamond market today, poor quality diamonds typically will only justify a loan of 10% of the Retail Price.

Valuation Percentage – Watches:

We specialize in evaluating and making Pawn Loans on Fine Watches. We can almost always make a much larger Pawn Loan than our 30% of Retail Price baseline on a top quality, late model Fine Watch. Fine Watches can be classified according to three categories:

  • Class A (ie: Rolex, Patek-Philippe, A. Lange & Sons, Panerai, Girard Perregaux, IWC)
  • Class B (ie: Breitling, Cartier, Bell & Ross, Omega)
  • Class C (ie: Tag-Heuer, Porsche Design, Ebel, Raymond Weil)

Class A watches, in good condition and of relatively recent vintage, typically will qualify for a Pawn Loan of 35% of the Retail Price. Class B watches will typically qualify for a Pawn Loan of 30% of the Retail Price and Class C watches will typically qualify for 25% of the Retail Price.

A single watch from brands like Movado, Tissot, Citizen, Bullova typically do not retain enough value to be used as collateral for a loan, as their value has depreciated below our minimum threshold.