When you are short on cash or have an unplanned emergency, a short term loan could be the answer. Here at A&F Pawn Jewelry and Loan we strive to offer a high payout and offer lower rates depending on what you need. Diamonds are valued based on the 4 C's which are carat,color,cut and clarity. Most dealers will give you 1/3 to 1/5 of the retail value due to what the market is willing to pay and also they are not paying for the retail markup. He is essentially buying it for a wholesale price. Now with this information just be realistic when you begin to shop around for a Pawn Loan. We always advise folks to get a loan for what you need and not the max. These type of short term loans can get expensive if held for long periods of time. A couple of things I am going to point out when choosing a store to do business with make sure you know what will happen if your item is lost or stolen. Folks are taking a huge risk giving up an item that has sentimental value like a large Diamond or Rolex and not really knowing who will have access to your property. We will do everything we can to make sure you get the same item back in the same condition. We are the owners and not a corporate ran store. This can be the difference in how your experience will be for dealing with a Pawnbroker and an Asset Loan. If you have questions give us a call or stop in the store.