Can You Get a Loan on a Lab-Grown Diamond? Here’s What You Need to Know
Lab-grown diamonds are becoming a popular choice for buyers looking for ethical, affordable luxury. But as they grow in popularity, many Australians are asking — can I get a loan against a lab diamond just like a natural one?
At Loan Lenders, we specialise in providing loans against luxury assets, including both lab-grown and natural diamond jewellery, watches, and gold. Here’s what you need to know if you’re considering using your lab diamond to access fast cash.
Lab-Grown vs Natural Diamonds – What’s the Difference?
Visually and chemically, lab-grown diamonds are identical to mined ones. They have the same brilliance, durability, and composition — the only difference is their origin. Lab diamonds are created in controlled environments, without the need for traditional mining.
While they are often 40–60% more affordable to purchase, lab-grown diamonds hold less resale and collateral value compared to natural diamonds. However, that doesn’t mean they’re worthless.
Can I Get a Loan on My Lab Diamond?
Yes — Loan Lenders does offer loans on high-quality lab-grown diamonds, but the loan amount depends on several factors:
- Carat size and clarity
- Original purchase price
- Brand or certification (e.g., GIA or IGI)
- Current market value
We provide free valuations, and if your item qualifies, you could access a secured loan from $500 to $10,000+, depending on the quality and documentation of your piece.
Why Choose Loan Lenders?
We’re one of the few lenders in Australia that:
- Accept both natural and lab-grown diamonds
- Offer same-day valuations
- Don’t require credit checks or proof of income
- Keep your items securely stored onsite until the loan is repaid
Our office in Southport, Gold Coast handles all loans confidentially and professionally.
Have a Lab Diamond? Let’s Value It
If you have a lab-grown diamond ring, necklace, or loose stone, bring it in for a quick, no-obligation assessment. We’ll let you know exactly what it’s worth and what loan you qualify for — without affecting your credit.Visit Loan Lenders – 1A/23 Nind St, Southport
Call us on 07 5531 1422 to book a free valuation