May 17, 2023 0 Comments Collateral Loans, Jewelry

The Complete Guide To Turning Your Rings And Jewelry Into Cash On Hand With Vasco


In life, unexpected expenses can arise, from medical emergencies to urgent home repairs. These situations often require quick access to funds, but traditional options like bank loans can be hard to obtain. However, many people own valuable luxury assets, such as jewelry, that can be used to raise funds quickly and easily.

Jewelry is a valuable asset that can be used to raise funds in several ways. One option is to sell the jewelry outright through a reputable buyer. Selling jewelry can be a quick and effective way to raise funds, especially if the jewelry is highly sought after and in good condition.

Another option is to use the jewelry as collateral for a short-term loan. Through this type of financial product, you can borrow against the value of your luxury assets, including jewelry. Collateral loans are a quick and easy way to raise funds without going through the traditional loan application process, which can be time-consuming and difficult to navigate.

In this guide, we will explore how jewelry can be a valuable asset for raising funds through an outright sale or a collateral loan. We will also discuss the services offered by Vasco Assets, a multinational luxury conglomerate specializing in acquiring, selling, and evaluating luxury assets, including jewelry. With Vasco Assets’ expertise and financial products, you can leverage your jewelry to meet your financial needs quickly and easily.

The Value of Jewelry as an Asset

Jewelry is a valuable asset that can be used to raise funds quickly and easily, thanks to its unique characteristics. Various factors, including rarity, craftsmanship, historical significance, and appreciation in value over time, determine the value of jewelry. Each of these factors contributes to the value of a piece of jewelry, making it a valuable asset for those looking to raise funds quickly. In this section, we will explore each of these factors in detail, explaining how they impact the value of jewelry and providing examples of rare and exceptional pieces. By understanding the value of jewelry as an asset, you can make informed decisions about leveraging your assets to meet your financial needs.

  • Rarity

Rarity is a key factor in determining the value of jewelry. Jewelry pieces that use rare gemstones or metals are often more valuable because they are harder to come by. For example, a diamond with a rare color or a large carat weight can significantly increase the value of a piece of jewelry. Similarly, metals like platinum or gold, which are rare and valuable, can also contribute to the value of a piece. Some examples of rare jewelry pieces that have fetched high prices at auction include the Pink Star diamond, which sold for $71.2 million in 2017, and the Blue Moon of Josephine diamond, which sold for $48.5 million in 2015.

  • Branding

Branding is a pivotal factor in determining the value of jewelry. A renowned brand carries a reputation that influences perception and desirability. Established brands are associated with exceptional craftsmanship, exquisite materials, and meticulous design. Their trusted name instills confidence in buyers, ensuring the authenticity and value of the jewelry. Moreover, well-known luxury brands often embody exclusivity, elevating the perceived value of their jewelry. Recognizable design signatures and iconic motifs further enhance desirability, setting them apart in the market. Brand heritage and compelling storytelling add depth and emotional connection, enhancing the value of the pieces. 

  • Market Trends

Market trends are a key consideration when evaluating the value of jewelry. Consumers’ constantly evolving tastes and preferences impact the desirability and market demand for specific styles and designs. Staying informed about current market trends allows buyers and sellers to make informed decisions regarding their jewelry investments. Fashion trends, cultural influences, and popular motifs heavily influence jewelry value. Jewelry that aligns with the latest trends tends to attract higher demand and value. Additionally, understanding market trends can help sellers position their pieces effectively and capitalize on the evolving interests of buyers. By monitoring and adapting to market trends, individuals can maximize the value of their jewelry in an ever-changing market.

  • Appreciation in Value

Jewelry can appreciate in value over time, making it a smart investment for those who want to leverage their assets to raise funds. Changes in fashion, rarity of materials, and brand can all contribute to appreciating a piece of jewelry. For example, a piece of Art Deco jewelry that was once out of fashion may become highly sought after as styles change over time. Similarly, a rare gemstone that was once undervalued may appreciate significantly as its rarity becomes more apparent. One example of a jewelry piece that has appreciated significantly in value is the Graff Pink diamond, which was purchased for $10.8 million in 2010 and sold for $46 million just a few years later.

Traditional Methods of Selling Jewelry

When it comes to selling jewelry, people often consider several traditional methods, including consignment stores, local jewelers, pawn shops, and auctions. Each of these methods has advantages and disadvantages, making it difficult to choose the best option for your needs. In this section, we will explore these traditional methods of selling jewelry in detail, discussing how they work, their advantages, and their disadvantages. By understanding the pros and cons of each method, you can make an informed decision about how to sell your jewelry and get the best possible price.

A. Consignment Store – Online/Physical

Consignment stores work by allowing owners to sell their jewelry through the store, which takes a percentage of the sale price as a commission. Consignment stores can be physical locations or online platforms. The advantages of using consignment stores include convenience, as the store handles the sale process, and access to a wider market of potential buyers. However, consignment stores often charge high fees, which can significantly reduce the sale price of the jewelry, and owners have limited control over the sale process, including pricing and marketing.

It’s important to note that when working with a jeweler, they may call you to request a reduction in the previously agreed-upon price to make a sale. This is a common practice among jewelers, and it’s something that you should be aware of before agreeing to work with them. Despite potentially lowering the price, the jeweler will still take a commission on the sale, which can be significant. When selling through consignment stores, it’s essential to be prepared for the possibility of price negotiation and to fully understand the commission structure.

B. Local Jeweler

Local jewelers buy and sell jewelry directly to customers. The advantages of using a local jeweler include getting a fair price for the jewelry and the ability to negotiate the sale price. However, local jewelers may have limited market access, meaning they may not be able to sell the jewelry for as high a price as it is worth. Additionally, local jewelers may undervalue the jewelry, especially if the owner is not familiar with the actual value of the piece.

If you’re looking to sell a piece of jewelry that you originally purchased from a jeweler, be aware that they may refuse to buy it back outright to keep their profit margins private. Instead, they may offer you store credit instead of cash to avoid disclosing the difference between what they sold the item for and what they are willing to buy it back for. 

C. Pawn Shops

Pawn shops offer short-term loans based on the value of the jewelry or buy jewelry outright from owners. The advantages of using pawn shops include quick access to funds without requiring a credit check. However, pawn shops often offer lower prices for jewelry than other buyers and may undervalue the jewelry, especially if the owner is unfamiliar with its true value.

D. Auction

Auctions involve selling jewelry to the highest bidder through a physical auction house or an online platform. The advantages of using auctions include the potential for high prices, especially if the jewelry is rare or highly sought after. However, auctions often charge high fees, which can significantly reduce the sale price of the jewelry, and owners have limited control over the final sale price. Also, you usually won’t have access to a wide market of potential buyers since auctions only attract a niche crowd. 

When considering traditional methods of selling jewelry, it’s important to carefully weigh the advantages and disadvantages of each option. Working with a reputable company like Vasco Assets can offer a reliable and trusted method of selling jewelry with a high level of expertise and professionalism. Vasco Assets offers a range of services and short-term collateral loans based on luxury assets like jewelry. With their expertise and industry knowledge, Vasco Assets can help clients get the best possible price for their jewelry without the drawbacks of traditional selling methods.

Vasco Assets’ Services for Selling Jewelry

Vasco Assets is a financial services company that specializes in providing short-term collateral loans based on luxury assets like jewelry and outright selling and consignment services for these assets. Vasco Assets provides an alternative to traditional jewelry-selling methods, focusing on expertise and professionalism. By working with Vasco Assets, clients can benefit from their industry knowledge and expertise, ensuring they get the best price for their jewelry.

Outright Selling

Vasco Assets’ outright selling option allows clients to sell their jewelry directly to Vasco Assets, who will provide the best possible valuation for the piece and immediate access to cash. This option is ideal for clients who need quick access to funds or want to avoid the uncertainties of selling through traditional methods. Vasco Assets’ expertise and industry knowledge can ensure that clients get the best possible price for their jewelry, as they deeply understand market trends and the true value of luxury assets.

Secured Shipping of Valuable Assets to Vasco

At Vasco Assets, we prioritize security and convenience when shipping your valuable items. Our Sure Secure Shipping ensures that you can conduct business with us from the comfort of your home without compromising the safety of your assets.

Vasco Assets partners with global leaders in the jewelry and diamond shipping industry to guarantee the secure and respectful transportation of your valuables, such as Brinks Global via FedEx, Malka-Amit via FedEx, and USPS. These services offer the highest level of protection for your items during transit.

As a licensed and bonded financial institution with over 35 years of experience in Orange County, Vasco Assets upholds the highest standards of professionalism and reliability. You can trust our expertise when it comes to handling your valuable assets.

Shipping your valuables to Vasco Assets is a seamless process that comes at no additional cost. Your valuables are also fully insured for a replacement value mutually predetermined by you and Vasco at no extra cost. You can avoid the inconvenience of visiting multiple establishments by choosing us as your one-stop destination for the best offers on your luxury assets.

Vasco Assets provides a range of services for selling jewelry focused on expertise, professionalism, and getting the best possible price for the owner. Whether clients choose outright selling or consignment services, they can be assured that they are working with a trusted and reliable company with a deep understanding of the luxury asset market.

Vasco Assets’ Jewelry Appraisal Services

Getting an accurate appraisal for jewelry is an essential part of the selling process, as it ensures that the owner receives the best possible price for their asset. Vasco Assets’ jewelry appraisal services provide accurate and reliable valuations for luxury assets, making it easier for clients to make informed decisions about selling or using their jewelry for collateral loans. Our appraisal services are designed to provide clients with a clear understanding of their jewelry’s true market value based on factors like rarity, craftsmanship, and historical significance.

At Vasco Assets, our skilled professionals don’t just offer you monetary value for your possessions; they also impart valuable insights about your assets. You can rest assured that our knowledgeable specialists will address any questions or concerns.

We pride ourselves on providing comprehensive and precise evaluations in a secure and professional environment. When you choose to sell your items to Vasco Assets, you can have confidence in receiving the most competitive payout in the market.

The Appraisal Process

Vasco Assets’ appraisal process involves a team of expert appraisers with extensive knowledge and experience in the luxury asset market. These appraisers use their expertise to accurately determine the value of jewelry based on various factors, including the rarity of gemstones and metals, the design’s complexity, and desirability. Additionally, Vasco Assets uses state-of-the-art technology, including advanced software and imaging systems, to ensure accurate and reliable appraisals.

The Benefits of Vasco Assets’ Appraisal Services

The benefits of using Vasco Assets’ appraisal services are significant. Firstly, clients can get an accurate jewelry valuation based on the true market value. This means they can be confident that they are receiving a fair price for their asset. Additionally, Vasco Assets’ appraisals can help clients make informed decisions about selling their jewelry, as they clearly understand its true value. Lastly, Vasco Assets’ appraisal services can also benefit clients looking to take out a short-term collateral loan, as the appraisal process determines the maximum loan amount that can be offered. With Vasco Assets’ expertise and professionalism, clients can be assured that they receive reliable and trustworthy appraisal services for their luxury assets like jewelry. 

And the best part is that our valuation services are free. This means that whenever you bring your valuable luxury assets to us for valuation, you are not obligated to avail of any of our services. We believe in providing you with a comprehensive valuation that not only talks about the value of your luxury asset but also provides many insights into your assets. However, we have experienced this, more often than not, that after seeing our valuation, clients always come to us for our services. 

Alternative Methods Offered by Vasco to Raise Cash Through Jewelry

Vasco Assets offers a range of alternative methods to help clients raise funds through their jewelry. One of these methods is short-term collateral loans based on luxury assets like jewelry. This option allows clients to leverage their jewelry for financial gain without selling it outright.

Collateral Loans

Vasco Assets offers short-term collateral loans based on luxury assets like jewelry. This option allows clients to use their jewelry as collateral for a loan, providing quick access to funds without selling their assets. Collateral loans are an attractive option for clients who need funds quickly or do not want to sell their jewelry outright.

Benefits of Collateral Loans

  1. Quick access to funds: Clients can receive funds within days, making it an ideal option for those who need money quickly.
  2. No credit checks: Collateral loans do not require credit checks, which can benefit clients with a poor credit history.
  3. Flexible loan terms: Collateral loans offer flexible loan terms, allowing clients to repay the loan over a period of time that works for them.
  4. No impact on credit score: Unlike traditional loans, collateral loans do not impact the client’s credit score, as the loan is based on the asset’s value used as collateral.
  5. High loan-to-value ratios: Collateral loans often have high loan-to-value ratios, meaning clients can receive significant money for their assets.
  6. Safe and secure: Collateral loans are safe and secure, as the asset being used as Vasco Assets hold collateral in a secure storage facility.
  7. No personal liability: If the client cannot repay the loan, the asset being used as collateral is simply sold to cover the loan, with no personal liability on the client’s part.
  8. Confidential: Collateral loans are confidential, with no credit checks or personal financial information being shared with third parties.

Other luxury assets that can be used to obtain collateral loans from Vasco Assets:

  • Fine Art
  • Rare Coins and Currency
  • Luxury Watches
  • Precious Metals
  • Diamonds and Gemstones
  • Luxury Cars and Boats

LuxLoc – A Unique Collateral Loan with Many Benefits

LuxLoc is a groundbreaking financial product designed to offer a secured line of credit using luxury assets as collateral. A secured line of credit is a loan that allows borrowers to access funds up to a predetermined limit while their luxury assets serve as security for the loan. This means that if the borrower cannot repay the loan, the lender has the right to take possession of the collateral. By offering a secured line of credit, LuxLoc provides a practical and convenient means for individuals to harness the value of their luxury items while retaining ownership, thereby addressing various financial needs. This innovative solution allows clients to tap into the value of their assets without selling them, offering flexibility and financial freedom.

Benefits of LuxLoc

  1. Retain ownership: With LuxLoc, clients can use their luxury assets as collateral without parting with them. This allows individuals to maintain their treasured possessions while still accessing necessary funds. 
  2. Quick access to funds: LuxLoc offers a streamlined application process, ensuring clients can secure a line of credit promptly, without the lengthy waiting periods associated with traditional loans. 
  3. Competitive interest rates: LuxLoc’s secured line of credit often comes with lower interest rates than unsecured loans, making it a more cost-effective solution for those needing funds. 
  4. Flexible repayment options: LuxLoc provides clients with customizable repayment plans catering to various budgetary requirements and financial situations. 
  5. Confidentiality and discretion: LuxLoc values client privacy, ensuring that all transactions are handled with the utmost confidentiality and discretion. 
  6. A diverse range of luxury assets: LuxLoc accepts various luxury assets as collateral, including watches, jewelry, fine art, and more. This flexibility enables clients to leverage the value of their prized possessions to achieve their financial objectives.

LuxLoc presents an innovative financial product that allows clients to utilize their luxury assets as collateral for a secured line of credit. It provides numerous benefits, such as retaining ownership, quick access to funds, competitive interest rates, flexible repayment options, and discretion.

Vasco Assets’ alternative methods for raising cash through jewelry, such as short-term collateral loans, provide clients with flexible and convenient options for leveraging their assets. With Vasco Assets’ expertise and professionalism, clients can be confident that they receive a reliable and trustworthy service with the best possible value for their luxury assets like jewelry.

Tips for Maximizing the Value of Your Jewelry

When it comes to selling jewelry, there are several steps that owners can take to ensure that they get the highest possible price. Owners can maximize the value of their assets by taking care of their jewelry and providing proper documentation.

  • Keeping Your Jewelry in Good Condition

One of the most important things owners can do to maximize the value of their jewelry is to keep it in good condition. This includes regularly cleaning and maintaining their jewelry, storing it properly, and not damaging it. When jewelry is in good condition, it is more likely to fetch a higher price.

  • Providing Proper Documentation

Another important step in maximizing the value of jewelry is providing proper documentation. This includes providing certificates of authenticity, appraisals, and any other relevant documentation proving the jewelry’s authenticity and value. This documentation can help to reassure buyers that they are getting a genuine and valuable piece of jewelry, which can increase its value.

  • Understanding Market Trends

Owners can also maximize the value of their jewelry by staying informed about market trends. This includes keeping an eye on current fashion trends and popular styles and staying informed about the prices of similar pieces of jewelry in the market. By understanding market trends, owners can decide when and where to sell their jewelry.

By following these tips, owners can maximize the value of their jewelry and ensure that they get the best possible price when selling it. With Vasco Assets’ expertise and professionalism, clients can be confident that they are receiving a reliable and trustworthy service that is focused on providing them with the best possible value for their luxury assets like jewelry.

Parting Thoughts

Vasco Assets offers services to help clients turn their luxury assets like jewelry into cash on hand or raise funds through short-term collateral loans. By leveraging Vasco Assets’ expertise and professionalism, clients can be confident that they receive a reliable and trustworthy service that provides the best possible value for their assets

By working with Vasco Assets, clients can benefit from the following:

  1. Expert appraisals that ensure accurate and reliable valuations for their jewelry
  2. Multiple options for selling or leveraging their jewelry, including outright selling and short-term collateral loans
  3. Access to a wide network of potential buyers, ensuring that their jewelry is sold for the highest price.
  4. Flexible loan terms and quick access to funds for those looking to leverage their jewelry for financial gain
  5. Professionalism and expertise that ensures a hassle-free and trustworthy experience

With Vasco Assets’ expertise and professionalism, clients can be confident that they receive the best possible value for their luxury assets like jewelry. For more information on leveraging your jewelry or other luxury assets to raise cash quickly, check out the various products of Vasco, know more about LuxLoc, visit us at 2024, Quail Street, Newport Beach, CA 92660, call us at 949.610.7774/800.688.2994, or write to us at