Heart-Shaped Diamonds

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Do you need funds for home improvements, unexpected expenses, or a dream vacation? With the help of Lux Exchange, you can unlock the value of your assets by using them as collateral for a loan. Heart shaped diamonds are especially valuable because of the fair market value. With our simple, secure process, you can access up to 80 percent of the value of your diamonds and other valuables.

All About Heart-Shaped Diamonds

Heart-shaped diamonds are especially meaningful because they symbolize love, affection, and romance. This type of diamond is a brilliant-cut stone with two symmetrical sides, an explicit cleft at the top, and a distinct point at the bottom. Heart-shaped stones are commonly set in rings and pendants.


Heart shaped diamonds come in a variety of silhouettes, from a larger fat stone to a narrow stone diamond. The length to width ratio of a classic heart-shaped diamond is approximately 1.00. For hearts set in pendants, a slightly narrow cut (1.05 – 1.15) is used, while Heart Shaped Diamonds set in a solitaire ring use a slightly wide cut (.85 – 1.00).

Heart-shaped diamonds are usually sold at a discount. True heart diamonds are usually larger than .50 carats since it can be difficult to detect the shape in a smaller stone at its ideal ratio. The heart-shaped diamond has a length to width ratio of about .85 to 1.15 depending on the setting. The larger size of these stones corresponds to their higher value, which makes them a good choice for diamond collateral loans. These cuts are graded on their shape as well as color and clarity, though warm colors are often prized more than the clear, cool tones valued for other cuts.

Explore Our Process

When you apply for a diamond-backed loan, you can take advantage of the inherent value of your assets without selling them and losing out on future capital gains. Your valuables are completely safe at our facility, and you can avoid the tax consequences of other types of loans.

After completing a brief application, you’ll send us your heart-shaped diamond at no cost using our prepaid FedEx label. When your package arrives, we record the opening and storage process so you can be assured of the safety of your asset. Then, we evaluate the stone and make a final offer. If you accept, you’ll receive funds within days with a fast wire transfer.

The diamond will be held under 24-hour surveillance in our secure vault. When your loan is completely repaid, we ship it back to you through FedEx.

The Lux Exchange has been in the luxury asset business for nearly a decade and has many repeat customers who appreciate our safe, easy process and outstanding customer care. If you want to liquidate your valuable assets without selling and improve cash flow for your household or business, visit Lux Exchange online to get started today.