We base our loan values on our current retail values. For general merchandise, we factor in current new retail value, condition of merchandise, and demand for the item in the used market. For jewelry, we evaluate its condition; for example, is it re-sellable or broken? In addition, we use current gold spot price, based on the karat of the gold you bring in. Lastly, we assign a value to your diamonds and/or precious stones to come up with a maximum loan value to help you.